Go Back
Report Abuse

Peach State Bank and Trust

photo-126.png
photo-126.png

Description

Peach State Bank and Trust offers comprehensive SBA lending services tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, this bank provides various loan options, including SBA 7(a) loans, to help fund business expansion, equipment purchases, or working capital needs. The bank prides itself on personalized service, guiding clients through the application process and ensuring they understand the terms and requirements. Located in Gainesville, Georgia, it serves a diverse range of industries, emphasizing community development and economic growth. Their experienced team works closely with borrowers to identify the best financing solutions, leveraging their extensive knowledge of SBA programs to maximize benefits. Whether you’re a startup or an established business, Peach State Bank and Trust aims to facilitate your financial success with flexible lending options and dedicated support.

Location

There are no reviews yet.

Q&A

Lender Type
Commercial Bank
Google Rating
4.3
Google Review Count
30
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA lending services, including 7(a) loans, to support small business growth and development in the Gainesville area.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated service, but walk-ins 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.
Question 4
Is there a fee to use this?
Answer 4
Yes, fees associated with SBA loans include guaranty fees, closing costs, and other service charges, which vary based on the loan specifics.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local small businesses and residents within its regional area, but eligibility depends on loan qualification criteria.
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 generally preferred, though other factors also influence approval.
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 documentation.
Scroll to Top