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The Grant County Bank

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Description

Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses with various loan programs. Whether you’re seeking funding for expansion, equipment, or working capital, they provide tailored solutions to meet your needs. Their experienced team guides clients through the application process, ensuring clarity and efficiency. With a focus on personalized service, they work closely with borrowers to understand their unique circumstances and help secure the necessary financing. The bank’s commitment to small business growth is reflected in their flexible loan options and attentive customer support. They are well-versed in SBA programs, including the 7(a) loan program, and aim to facilitate accessible funding for entrepreneurs at different stages of their business journey. Located in Petersburg, West Virginia, they serve local and regional clients, fostering economic development in the community.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.3
Google Review Count
7
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 small business financing solutions. You can find assistance with funding needs, expert guidance on loan applications, and personalized banking services tailored to entrepreneurs and local businesses.
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-in consultations may also be accommodated depending on availability. Calling ahead can help streamline your visit and prepare necessary documentation.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from Monday to Friday, 9:00 AM to 5:00 PM. It is advisable to confirm hours directly with the branch, especially for after-hours or special appointment requests.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for basic inquiries or initial consultations. Fees may apply for loan processing, application, or other banking services, as outlined during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small business owners in West Virginia and the surrounding region. Non-residents may need to meet specific criteria or provide additional documentation to qualify for services.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is generally preferred, though higher scores may improve loan approval chances. The bank evaluates overall creditworthiness and business viability during the application process.
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 loan and completeness of the application. Early preparation and clear documentation can help expedite approval.
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