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Optus Bank

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Description

Optus Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth and development. With a focus on providing accessible financing options, the bank specializes in SBA 7(a) loans, helping entrepreneurs secure funding for various needs such as working capital, equipment purchases, and real estate acquisitions. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located in Columbia, South Carolina, Optus Bank is committed to fostering economic development within the community and beyond. The bank’s flexible lending criteria and personalized service make it a reliable partner for business owners looking to expand their operations or manage cash flow effectively. Whether you’re a startup or an established enterprise, Optus Bank’s SBA programs are designed to support your business goals with competitive terms and dedicated support.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.9
Google Review Count
27
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs and business banking services designed to support small and growing businesses in the community.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, 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 no fees for accessing basic banking services; fees may apply for specific loan processing or account services.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank serves primarily local residents and small business owners within South Carolina, but some services are available to out-of-state clients by appointment.
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 SBA loan guarantors.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes around 30 to 45 days, depending on the completeness of the application and supporting documents.
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