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Four States Bank, Inc.

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Description

Offering comprehensive SBA lending options, Four States Bank, Inc. specializes in supporting small businesses with tailored financing solutions. With a focus on the local community, the bank provides expertise in SBA 7(a) loans, helping entrepreneurs secure funding for growth, equipment, or working capital needs. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. The bank’s commitment to personalized service makes it a trusted partner for small business owners seeking reliable financial support. Whether you’re starting a new venture or expanding an existing one, Four States Bank offers flexible loan options with competitive terms designed to meet your unique business goals. Their knowledgeable staff is dedicated to helping clients navigate the complexities of SBA programs, ensuring a smooth and successful borrowing experience. Located in Carthage, MO, the bank is deeply invested in the local economy and understands the specific needs of regional businesses. With a strong track record of approvals up to $423,000, they are well-equipped to assist a variety of industries, especially those aligned with NAICS code 713940, including entertainment and recreation services. Trust Four States Bank, Inc. for personalized, community-focused SBA lending that empowers small businesses to thrive.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.3
Google Review Count
6
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA loan programs and personalized financial services for small businesses. You can find support for growth, equipment financing, and working capital needs tailored to your industry.
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
The bank operates Monday through Friday from 8:30 AM to 4:30 PM, with additional hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for initial consultations, but standard loan application and processing fees may apply depending on the loan terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and small business owners in the region, but they welcome qualified applicants from surrounding areas.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
Typically, a minimum personal credit score of 640 is preferred, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes between 2 to 4 weeks, depending on the completeness of your application and documentation.
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