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Bank of Central Florida

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Description

Bank of Central Florida offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and expansion. With a focus on the Lakeland community, this institution provides a variety of loan options including the SBA 7(a) program, which is ideal for working capital, equipment purchase, or real estate acquisition. The bank prides itself on personalized service and flexible lending solutions designed to meet the unique needs of local entrepreneurs. Their experienced team guides clients through the application process, ensuring clarity and efficiency. Whether you’re a startup or an established business, Bank of Central Florida is committed to helping you achieve your financial goals with competitive rates and terms. They also support small business owners with advice on credit and funding strategies, making them a trusted partner in your business journey.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.3
Google Review Count
23
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loans and business banking services designed to support small business growth in the Lakeland area. You can find assistance with funding, credit, and financial planning tailored to your business needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated time with a banking specialist, but walk-in visits are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with extended hours by appointment upon request.
Question 4
Is there a fee to use this?
Answer 4
Fees vary depending on the services used, including loan processing and account maintenance, but transparent fee structures are provided upfront.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local small business owners and residents in the Lakeland area, but business clients from surrounding regions may also be eligible.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 is generally preferred, though other factors are also considered during the approval process.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the loan and completeness of the application.
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