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BayFirst National Bank

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Description

Specializing in small business financing, this bank offers a range of SBA loan programs designed to support entrepreneurs and business owners in their growth and expansion efforts. Whether you’re seeking working capital, equipment financing, or real estate loans, they provide tailored solutions to meet diverse business needs. Their experienced lending team guides clients through the application process, ensuring clarity and support at every step. With a focus on the SBA 7(a) program, they facilitate loans up to $332,000, helping small businesses access vital capital to thrive. The bank’s commitment to personalized service and flexible lending options makes them a trusted partner for local businesses looking to expand or stabilize their operations. Located in Saint Petersburg, FL, they serve a broad geographic area, leveraging their deep industry knowledge to assist clients across various sectors, including retail, manufacturing, and services. Their comprehensive approach includes support for startups and established companies alike, emphasizing community growth and economic development.

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Q&A

Lender Type
Commercial Bank
Google Rating
4
Google Review Count
84
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that offers SBA loan programs to small businesses, providing financing options for growth, equipment, and real estate needs, with personalized support throughout the process.
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.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or consult; however, loan application fees and closing costs may apply depending on the loan terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local small business owners and residents in the Saint Petersburg area, but they may consider out-of-area applications for certain programs.
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 recommended, but the actual requirement may vary based on the specific loan and borrower profile.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 2 to 4 weeks, depending on the completeness of the application and the complexity of the loan.
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