Tioga State Bank, National Association
Description
Tioga State Bank offers comprehensive SBA lending solutions tailored to meet the needs of small businesses. With a focus on supporting local entrepreneurs, the bank provides various loan programs including the SBA 7(a) loan, which is ideal for working capital, equipment purchases, and business expansion. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. The bank’s commitment to community development is reflected in its personalized service and flexible financing options. Whether you’re seeking a loan for growth or startup funding, Tioga State Bank is equipped to help you achieve your business goals with competitive rates and dedicated support.
Location
Review
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Q&A
Lender Type
Commercial Bank
Google Rating
3.4
Google Review Count
18
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA loans and small business financing options to support local entrepreneurs and business growth.
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 banking specialist, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are standard fees associated with SBA loans, including application and closing costs, but no additional fees for basic banking services.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local small businesses and residents within the region, but offers services to all qualified applicants.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 620 is generally required for loan 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 45 days, depending on the completeness of the application and documentation.