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Countybank

Countybank offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, the bank provides access to SBA 7(a) loans, which are ideal for various purposes including working capital, equipment purchase, and real estate acquisition. Their experienced team guides clients through the application process, ensuring clarity and efficiency. The bank’s commitment to local businesses is reflected in its flexible lending options and competitive terms. Whether you’re a startup or an established enterprise, Countybank aims to facilitate your business ambitions with tailored financial products and dedicated support.

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Lender Type

Commercial Bank

Google Rating

4.5

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Question 1

What is this place and what can I find here?

Answer 1

This is a commercial bank that offers SBA loan programs, including the 7(a) loan, to support small business growth and development. You can find personalized financial services and guidance for your business needs.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It"s recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

Question 3

What are the hours of operation?

Answer 3

The bank"s typical hours are Monday through Friday, 9 am to 5 pm, but it"s best to contact them directly for specific hours or after-hours appointments.

Question 4

Is there a fee to use this?

Answer 4

There are fees associated with SBA loans, including guarantee and origination fees, which are disclosed during the application process.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This bank primarily serves local residents and businesses within the region, but they may consider applications from outside the area on a case-by-case basis.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

A minimum personal credit score of around 640 is typically preferred, but other factors such as business financials are also evaluated.

Question 7

How long does the traditional underwriting process take from start to close?

Answer 7

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.

Countybank

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