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Charlevoix State Bank

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Description

Charlevoix State Bank offers comprehensive SBA lending solutions tailored to small businesses seeking financial growth and stability. With a strong focus on supporting local entrepreneurs, the bank provides various loan programs including the SBA 7(a) loan, which is ideal for working capital, equipment purchases, and business expansion. The bank’s experienced team guides clients through the application process, ensuring a smooth experience from start to finish. Located in the heart of Charlevoix, MI, the bank is committed to fostering economic development within the community. They serve a diverse range of industries, with a particular strength in retail and hospitality sectors. Whether you’re a startup or an established business, Charlevoix State Bank is dedicated to helping you achieve your financial goals with personalized service and flexible lending options.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.8
Google Review Count
11
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA loan programs and financial services designed to support small businesses in the Charlevoix area. You can find personalized lending solutions, business advice, and community banking services here.
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 banking specialist, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. Hours may vary on holidays, so it"s best to call ahead.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit the bank; however, loan applications and services may involve standard fees and charges based on the specific product.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small businesses within the Charlevoix community and surrounding areas.
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 preferred, but higher scores may improve loan terms.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of your application and supporting documents.
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