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York State Bank

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Description

Offering comprehensive SBA lending services, York State Bank specializes in providing financing solutions tailored for small businesses across various industries. With a focus on supporting local entrepreneurs, the bank facilitates access to capital through SBA programs, including the popular 7(a) loan program. Their experienced team guides clients through the application process, ensuring a smooth experience from initial inquiry to loan closing. The bank’s commitment to personalized service helps small business owners secure funding for growth, equipment purchases, working capital, and other business needs. Located in York, Nebraska, they serve the surrounding community with a strong emphasis on building long-term financial relationships. Whether you’re starting a new venture or expanding an existing business, York State Bank offers the expertise and resources to help you succeed. Their support extends to various industries, with particular strength in healthcare, retail, and manufacturing sectors. The bank maintains a customer-focused approach, ensuring that each client receives tailored financial solutions to meet their unique needs. With a history of successful SBA program support, they are a reliable partner for small business financing in the region.

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Q&A

Lender Type
Commercial Bank
Google Rating
2.5
Google Review Count
4
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that offers SBA lending solutions designed to help small businesses secure funding for growth, equipment, and operational needs. They provide personalized service and expertise in SBA programs like the 7(a) loan, supporting local entrepreneurs in York and nearby areas.
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 specialist, but walk-in consultations may also be available during business hours. Contact the bank in advance to confirm availability and arrange a meeting if needed.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It"s advisable to call ahead to confirm hours or to schedule an appointment outside regular hours if necessary.
Question 4
Is there a fee to use this?
Answer 4
There may be fees associated with loan applications, processing, and closing costs, all aligned with SBA guidelines. These fees vary depending on the loan type and amount, and the bank will provide a detailed fee schedule during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small business owners within the York community and surrounding regions. Eligibility for SBA loans depends on meeting specific program requirements and creditworthiness.
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 exact requirement may vary based on the loan type and overall financial profile of the borrower.
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 application and completeness of submitted documentation. The bank aims to provide timely decisions and support throughout the process.
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