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Altos Bank

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Description

Altos Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on the California region, the bank provides various loan programs including the SBA 7(a) loan, which is ideal for a wide range of business purposes such as working capital, equipment purchase, and real estate acquisition. Their experienced team guides clients through the application process, ensuring they understand the requirements and benefits of each program. The bank’s expertise in SBA lending helps small business owners access capital efficiently, with competitive terms and personalized service. Whether you’re a startup or an established business, Altos Bank aims to support your financial goals with flexible financing options and dedicated support throughout the loan process.

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Q&A

Lender Type
Commercial Bank
Google Rating
5
Google Review Count
18
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution that provides SBA loan programs and banking services tailored for small businesses, helping them secure funding for various growth initiatives.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access basic banking services; loan fees apply based on the specific loan agreement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and entrepreneurs in California, but some services may be available to out-of-state clients with qualifying criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 is generally preferred, 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 60 days, depending on the complexity of the loan and completeness of documentation.
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