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The Western State Bank

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Description

The Western State Bank offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financing options. With a focus on supporting local entrepreneurs, this bank provides various loan programs including the SBA 7(a) and 504, designed to meet diverse business needs such as expansion, equipment purchase, or working capital. The bank’s experienced team guides clients through the application process, ensuring clarity and support at every step. Located in Garden City, Kansas, the bank serves a broad geographic area, emphasizing personalized service and flexible lending criteria. Their loan offerings are suitable for a range of industries, with particular strength in retail and service sectors. Whether you’re a startup or an established business, Western State Bank aims to facilitate growth by providing accessible financing options with competitive terms. The bank’s commitment to community development and small business success makes it a reliable partner for your financial needs.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.4
Google Review Count
24
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank offering SBA loan programs and business financing solutions to support small and medium-sized enterprises in the region. You can find assistance with loans for expansion, equipment, and working capital, along with personalized guidance from experienced lenders.
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-ins are also welcome during business hours. Calling ahead can help prepare your documentation and streamline the process.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It"s advisable to contact the branch directly for specific appointment times or after-hours arrangements.
Question 4
Is there a fee to use this?
Answer 4
There are application and guarantee fees associated with SBA loans, which vary depending on the loan amount and terms. These fees are disclosed upfront during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
The bank primarily serves local businesses and residents in the Kansas region, but eligibility for SBA loans extends to qualifying businesses nationwide, provided they meet program criteria.
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, though higher scores improve the likelihood of approval and favorable terms.
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 your documentation and the complexity of your application.
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