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First State Bank and Trust Company Inc

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Description

First State Bank and Trust Company Inc offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on community banking, it provides personalized service and flexible financing options, including SBA 7(a) loans, to meet the diverse needs of local entrepreneurs. The bank specializes in small business loans up to $50,000, helping clients access capital efficiently and with competitive terms. Its experienced team guides borrowers through the application process, ensuring clarity and support at every step. Located in Caruthersville, Missouri, the bank is committed to fostering local economic development and supporting small business success.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.4
Google Review Count
10
Question 1
What is this place and what can I find here?
Answer 1
This is a community bank offering SBA loan programs and small business financing solutions tailored to local entrepreneurs and businesses in Missouri.
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 may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 4:00 PM, with extended hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or inquire; however, loan processing and application 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 residents and small business owners within Missouri, focusing on local community support.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of approximately 650 is generally preferred 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 2 to 4 weeks, depending on the completeness of application and documentation.
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