Bank of Camilla
Bank of Camilla is an active SBA lender in Georgia, a bank offering SBA-guaranteed small-business loans. Currently rated 4.2 stars across 5 Google reviews.
About Bank of Camilla
Bank of Camilla offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on serving the local community, this institution provides expert guidance on SBA loan programs, including the popular 7(a) loan program, to help clients secure funding efficiently. Their experienced team works closely with borrowers to understand their unique needs and craft financing solutions that align with their business goals. The bank specializes in supporting various industries, with a notable strength in the manufacturing sector, and has a proven track record of approving substantial loan amounts, up to $2,170,000. Whether you're starting a new venture or expanding an existing business, Bank of Camilla is committed to facilitating access to capital through SBA programs, ensuring a smooth application process and personalized service.
Common questions about Bank of Camilla
What is this place and what can I find here?
This is a local bank offering SBA loan programs and business financing solutions. You can find assistance with funding your small business, including SBA 7(a) loans, and expert guidance tailored to your needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be accommodated depending on availability.
What are the hours of operation?
Bank of Camilla's lobby is open Monday–Thursday 9 AM–4 PM and Friday 9 AM–5 PM; drive-in hours are Monday–Thursday 8:30 AM–4 PM and Friday 8:30 AM–5 PM. Please confirm current hours with the bank.
Is there a fee to use this?
There are no fees for initial consultations; however, specific loan processing fees and closing costs may apply depending on the service.
Who is this open to — anyone, or only residents/members?
Services are primarily available to local residents and small business owners within the community, but SBA programs may extend access nationwide depending on eligibility.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is typically required, though higher scores improve the likelihood of approval.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Bank of Camilla 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 Bank of Camilla to confirm current weekend availability before you go.
How do I get there and where do I park?
Bank of Camilla is located in Georgia — 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 Bank of Camilla, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bank of Camilla itself, which runs its own lending under its own ownership. If you work at Bank of Camilla, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Bank of Camilla — 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 Bank of Camilla before applying. If you represent Bank of Camilla, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Bank of Camilla by phone at (229) 336-5225 or online at bankofcamilla.net — 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 Bank of Camilla before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Bank of Camilla can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Bank of Camilla directly which industries 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 Bank of Camilla participates in SBA Express depends on its specific SBA lending authority. Contact Bank of Camilla 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. Bank of Camilla 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. Bank of Camilla's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bank of Camilla 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 Bank of Camilla 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 Bank of Camilla 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 Bank of Camilla 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. Bank of Camilla weighs this case by case under its own policy, so be upfront about your history and ask Bank of Camilla how it evaluates prior bankruptcies.
