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Caldwell Bank & Trust Company

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Description

Caldwell Bank & Trust Company offers comprehensive SBA lending services tailored to meet the needs of small businesses seeking financial support for growth, expansion, or operational needs. With a focus on SBA programs, the bank provides expertise in navigating the application process, ensuring clients receive favorable terms and competitive rates. Their team is dedicated to understanding each business’s unique circumstances and offering personalized solutions, whether for working capital, equipment purchase, or real estate financing. Located in Columbia, Louisiana, the bank serves local entrepreneurs and small business owners, helping them achieve their goals through reliable financial products and dedicated customer service. They support various SBA programs, including the 7(a) and 504 loan programs, making them a versatile partner for small business financing needs. Caldwell Bank & Trust Company emphasizes quick turnaround times and transparent fee structures, aiming to make the borrowing process straightforward and accessible. Their experienced staff is committed to fostering economic growth within the community by providing flexible lending options and expert guidance throughout the loan process.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.8
Google Review Count
5
Question 1
What is this place and what can I find here?
Answer 1
This is a trusted SBA lender offering small business loans, including 7(a) and 504 programs, with personalized service and competitive terms to help your business grow.
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 may be accommodated depending on availability.
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 additional hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
Yes, there are application and closing fees associated with the loans, which will be clearly disclosed during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This service is primarily available to small business owners within the regional area, but eligibility depends on meeting loan requirements.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 620 is typically required, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
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