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22nd State Bank, A Division of 22nd State Banking Company

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Description

Specializing in small business financing, this commercial bank offers a range of SBA loan programs to support entrepreneurs and business owners. With a focus on the 7A loan program, it provides funding solutions for various business needs, including working capital, equipment purchase, and real estate acquisition. Located in Mobile, Alabama, the bank is committed to helping local businesses grow and succeed by providing accessible and flexible financial products. Their experienced lending team guides clients through the application process, ensuring clarity and support at every step. Whether you’re starting a new venture or expanding an existing business, this bank can help you secure the necessary funds with competitive terms and personalized service. The bank’s strong community presence and understanding of regional market dynamics make it a reliable partner for your business financing needs.

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Q&A

Lender Type
Commercial Bank
Google Rating
5
Google Review Count
1
Question 1
What is this place and what can I find here?
Answer 1
This is a local commercial bank offering SBA loan programs and financial services tailored to small businesses in the Mobile area. You can find assistance with funding, business growth strategies, and personalized banking solutions to support your enterprise.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to meet with a lending specialist, but walk-in consultations may be available during business hours. Calling ahead ensures dedicated time and prepared staff to assist your needs.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM. Special hours or appointments outside these times can be arranged by prior arrangement.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for initial consultations. Loan application fees and closing costs may apply depending on the financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and entrepreneurs in the Mobile region, but they welcome qualified applicants who meet their lending criteria regardless of residency within the area.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 650 is typically required, though higher scores improve approval chances and loan terms.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process usually takes approximately 2 to 4 weeks, depending on the completeness of your application and supporting documents.
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