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Citizens Bank of West Virginia, Inc

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Description

Citizens Bank of West Virginia, Inc offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and expansion. With a focus on the West Virginia region, this bank provides various loan programs, including the SBA 7(a) loan, to help entrepreneurs access capital for a wide range of business needs. Their experienced lending team works closely with clients to understand their unique financial situations and craft solutions that meet their goals. Whether you’re looking to purchase equipment, expand operations, or improve cash flow, Citizens Bank of West Virginia, Inc aims to facilitate your business success through personalized service and flexible lending options. The bank’s commitment to supporting small businesses is reflected in their strong approval records and dedication to community development. They also offer guidance on the application process, ensuring clients are well-informed at every step. With a focus on building long-term relationships, Citizens Bank of West Virginia, Inc is a trusted partner for local entrepreneurs and business owners.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.7
Google Review Count
24
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 such as the 7(a) loan to support business growth and development in West Virginia.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment with a lending specialist, but walk-in consultations may be available during regular banking hours.
Question 3
What are the hours of operation?
Answer 3
The branch operates from 9:00 AM to 5:00 PM, Monday through Friday, with special hours on certain days; please contact the branch for exact times.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit the branch; however, loan application and processing fees may apply during the lending process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small business owners within the West Virginia region, though some services may be available to non-residents with qualifying criteria.
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 required for loan approval, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the completeness of the application and supporting documents.
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