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Carter Bank & Trust

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Description

Carter Bank & Trust 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 personalized service, they provide SBA 7(a) loans, which are flexible and accessible for various business purposes including working capital, equipment purchase, and real estate acquisition. Their experienced team guides clients through the application process, ensuring clarity and efficiency. The bank supports businesses across diverse industries, emphasizing community development and small business success. Whether you’re a startup or an established enterprise, Carter Bank & Trust aims to facilitate your business ambitions with competitive terms and dedicated assistance.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.2
Google Review Count
29
Question 1
What is this place and what can I find here?
Answer 1
This is a commercial bank that offers SBA lending programs, including 7(a) loans, to support small and medium-sized businesses in their growth and operational needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated assistance, but walk-ins may be accommodated depending on staff availability.
Question 3
What are the hours of operation?
Answer 3
The bank"s typical hours are Monday through Friday, from 9:00 AM to 5:00 PM, but it"s best to contact them directly for specific branch hours.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access basic information, but loan processing and application fees may apply during the financing process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This service is open to small business owners nationwide who meet the eligibility criteria for SBA loans, regardless of residency.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is typically required, though higher scores can improve the likelihood of approval.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.
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