Apex Bank
Apex Bank is an active SBA lender in Tennessee, a bank offering SBA-guaranteed small-business loans. Currently rated 4.6 stars across 52 Google reviews.
About Apex Bank
Apex Bank offers specialized SBA lending services designed to support small businesses in securing financing for growth and development. With a focus on the manufacturing sector, the bank provides tailored loan options that help entrepreneurs expand operations, purchase equipment, or manage cash flow. Their SBA programs are well-suited for businesses seeking flexible terms and competitive rates, backed by their extensive experience with the SBA 7(a) loan program. Located conveniently in Camden, Tennessee, Apex Bank is committed to fostering local economic growth by providing accessible financial solutions for small business owners. Their team of dedicated lenders works closely with clients to understand their unique needs and guide them through the application process. Whether you're a startup or an established business, Apex Bank aims to be a reliable partner in your growth journey, leveraging their regional expertise to support your success.
Serves SBA borrowers in 2 states
Apex Bank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Apex Bank finances
Business types Apex Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Apex Bank
What is this place and what can I find here?
This is a local bank offering SBA loan programs, including the 7(a) loan, to support small businesses with financing needs such as expansion, equipment, and working capital.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment with a lender to discuss your specific needs, but walk-ins may also be accommodated during business hours.
What are the hours of operation?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with special hours by appointment.
Is there a fee to use this?
There are no fees to access the bank's services, but standard SBA loan fees and closing costs may apply to specific financing.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners in the region, but eligibility depends on meeting SBA loan requirements.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required for SBA loan applicants.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes 30 to 45 days, depending on the completeness of the application and documentation provided.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Apex Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Apex Bank to confirm current weekend availability before you go.
How do I get there and where do I park?
Apex Bank is located in Tennessee — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for Apex Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Apex Bank itself, which runs its own lending under its own ownership. If you work at Apex Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Apex Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Apex Bank before applying. If you represent Apex Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Apex Bank by phone at (731) 584-3678 or online at apexbank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Apex Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Apex Bank most often finances businesses in manufacturing. This reflects Apex Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Apex Bank which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Apex Bank participates in SBA Express depends on its specific SBA lending authority. Contact Apex Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Apex Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Apex Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Apex Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Apex Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Apex Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Apex Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Apex Bank weighs this case by case under its own policy, so be upfront about your history and ask Apex Bank how it evaluates prior bankruptcies.
