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The Baldwin State Bank

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Description

The Baldwin State Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and development. With a focus on the local community, this bank provides access to various SBA programs, including the popular 7A loan program, which helps businesses secure funding for working capital, equipment, or real estate. Their experienced team works closely with clients to understand their unique needs and guide them through the application process, ensuring a smooth experience from start to finish. Located in Baldwin City, Kansas, the bank is committed to supporting local entrepreneurs and fostering economic growth in the region. They offer personalized service and flexible lending options, making them a trusted partner for small business owners looking to expand or stabilize their operations. Whether you’re a startup or an established business, Baldwin State Bank is equipped to assist with your financing needs, leveraging their strong community ties and SBA expertise to help you succeed.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.6
Google Review Count
11
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, with personalized service tailored to local entrepreneurs.
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 bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
Fees are associated with loan processing and SBA application, which vary depending on the loan amount and terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and residents within the Baldwin City community and surrounding areas.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 or higher is generally preferred for loan qualification.
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 the application and loan complexity.
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