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State Bank of Bottineau

Providing comprehensive SBA lending services, this financial institution specializes in supporting small businesses with a range of loan options. They offer tailored financing solutions to help entrepreneurs grow, expand, or stabilize their operations, including SBA 7(a) loans which are ideal for working capital, equipment, or real estate purchases. With a focus on personalized service, they assist clients through the entire loan process, ensuring clarity and support from application to funding. Their experienced team understands the unique needs of small businesses and is committed to fostering local economic development. Whether you’re starting a new venture or expanding an existing one, this lender provides the expertise and resources needed to achieve your business goals. Their commitment to accessible financing makes them a trusted partner for small business owners in the region, offering competitive terms and flexible options to meet diverse needs.

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Lender Type

Commercial Bank

Google Rating

2.6

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Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loan programs and small business financing solutions. You can find expert guidance and personalized support to help grow your business with flexible loan options.

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 are also welcome during business hours.

Question 3

What are the hours of operation?

Answer 3

The typical hours are Monday through Friday, 9 AM to 5 PM, but it is best to contact the branch directly for specific hours.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for visiting or consulting with the bank; however, loan application and processing fees may apply depending on the service requested.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This lender primarily serves small business owners within the region, but eligibility is based on creditworthiness and business qualifications, not residency alone.

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 approval chances.

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 complexity of the application and completeness of documentation.

State Bank of Bottineau

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