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Affinity Bank, National Association

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Description

Affinity Bank, National Association offers comprehensive SBA lending solutions tailored to meet the needs of small businesses seeking growth capital. With a focus on supporting local enterprises, this bank provides a variety of loan programs including the SBA 7(a) loan, which is ideal for working capital, equipment purchase, and business expansion. Their experienced lending team works closely with clients to understand their unique financial situations and craft suitable financing options. The bank’s commitment to small business success is reflected in their streamlined application process and personalized service. Located conveniently in Covington, GA, they serve a broad range of industries, with particular strength in retail and service sectors. Whether you’re a startup or an established company, Affinity Bank aims to facilitate your business goals through flexible lending solutions and expert guidance. Their support extends to businesses across the nation, making them a reliable partner for entrepreneurs looking to access capital through SBA programs.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.6
Google Review Count
20
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 assistance with business expansion, working capital, and equipment purchases, along with expert guidance tailored to your business needs.
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. Contact the branch ahead of your visit for the best experience.
Question 3
What are the hours of operation?
Answer 3
The branch operates Monday through Friday from 9:00 AM to 5:00 PM. Hours may vary on holidays, so it"s best to call ahead or check their website for current timings.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for simply visiting or consulting; however, loan processing and application fees may apply depending on the services used. All fees are disclosed upfront during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and entrepreneurs across the country. While they are based in Georgia, their SBA loan programs are accessible to qualified applicants nationwide.
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 for guarantors applying for SBA loans, though higher scores may 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 60 days, depending on the complexity of the application and completeness of documentation.
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