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SJN Bank of Kansas

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Description

SJN Bank of Kansas offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on small business financing, the bank provides various SBA loan programs, including the popular 7(a) loan program, to help entrepreneurs access capital with favorable terms. Located in Saint John, Kansas, the bank specializes in serving local businesses but also supports a broader regional community, ensuring personalized service and expert guidance throughout the loan process. Whether you’re looking for working capital, equipment financing, or real estate loans, SJN Bank of Kansas is equipped to assist with flexible lending options designed to meet diverse business needs. The bank also emphasizes quick turnaround times and competitive rates, making it a reliable partner for small business owners aiming to achieve their goals efficiently and effectively.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.6
Google Review Count
9
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank offering SBA loan programs and small business financing solutions. You can find assistance with loans for growth, equipment, real estate, and working capital tailored to small businesses in Kansas and nearby regions.
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 are also welcome during business hours. Calling ahead can help streamline your visit.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM. It"s best to contact them directly for specific appointment times or after-hours services.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for simply visiting or consulting with the bank. Loan application fees and closing costs may apply depending on the specific financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
The bank primarily serves residents and small business owners in Kansas and the surrounding regions. Eligibility for loans depends on meeting specific credit and business requirements.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
Typically, a minimum personal credit score of 640 is preferred, but higher scores improve the chances of approval and favorable terms.
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 loan and completeness of the application.
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