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Lake-Osceola State Bank

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Lake-Osceola State Bank
Lake-Osceola State Bank

Description

Specializing in small business financing, this commercial bank offers a range of SBA loan programs designed to support entrepreneurs and business owners in securing necessary capital. Whether you’re looking to fund expansion, purchase equipment, or manage cash flow, they provide tailored lending solutions with competitive terms. Their experienced team guides clients through the application process, ensuring clarity and support at every step. With a focus on community development and small business growth, they are committed to helping local businesses thrive. The bank’s SBA program history includes a strong track record with the 7A loan program, facilitating approval amounts up to $1,171,700 for qualifying borrowers. Their services are accessible to a diverse client base, emphasizing personalized service and flexible lending options to meet various business needs.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.8
Google Review Count
30
Question 1
What is this place and what can I find here?
Answer 1
This is a commercial bank that offers small business financing options, including SBA loans, to help entrepreneurs grow their businesses with flexible funding solutions.
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 may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank"s typical hours are Monday through Friday from 9:00 AM to 5:00 PM, but it"s best to call ahead for specific appointment times.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit the bank; however, loan applications and processing may involve certain fees depending on the loan type.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
The bank primarily serves local residents and small business owners within its regional area, but eligibility for loans depends on meeting specific criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 is generally preferred, but approval considers overall financial health and collateral.
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.
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