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First Citizens Bank

First Citizens Bank offers comprehensive SBA lending services 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 SBA 7(a) loans that can be used for various purposes including working capital, equipment purchase, and real estate acquisition. Their experienced lending team guides clients through the application process, ensuring a smooth experience from start to finish. The bank supports businesses with flexible terms and competitive rates, making it a reliable partner for entrepreneurs looking to leverage SBA programs. Whether you’re a startup or an established company, First Citizens Bank aims to meet your unique financing needs with a commitment to community and customer service.

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Lender Type

Commercial Bank

Google Rating

4.2

Google Review Count

Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loan programs and small business financing solutions. You can find support for growth, expansion, and operational needs, along with expert guidance from experienced lenders.

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-in consultations may be available during business hours.

Question 3

What are the hours of operation?

Answer 3

Standard hours are Monday through Friday from 9 am to 5 pm, but it"s best to contact the branch directly for specific hours or after-hours appointments.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for simply visiting or consulting; however, loan application and processing fees may apply depending on the services used.

Question 5

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

Answer 5

This bank primarily serves local residents and businesses within its regional service area, but SBA loan programs can be accessed by eligible small businesses nationwide.

Question 6

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

Answer 6

A minimum personal credit score of around 650 is generally preferred, but the overall credit profile and business strength are also considered.

Question 7

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

Answer 7

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of application materials.

First Citizens Bank

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