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City & County CU

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Description

City & County CU offers comprehensive SBA lending services tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, this institution provides various loan options, including SBA 7(a) loans, to help fund business expansion, equipment purchases, and working capital needs. Their experienced team guides clients through the application process, ensuring clarity and efficiency. The bank’s commitment to community development is reflected in their flexible lending criteria and personalized service. Whether you’re a startup or an established business, City & County CU aims to foster economic growth within the Saint Paul area and beyond. They leverage their strong local presence to provide accessible financing solutions that meet diverse business needs. The institution’s expertise in SBA programs makes them a reliable partner for small business owners looking for competitive terms and dedicated support.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.7
Google Review Count
135
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused SBA lender providing small business loans, including SBA 7(a) financing, with personalized service tailored to local entrepreneurs.
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
Typically, the branch operates Monday through Friday from 9:00 AM to 5:00 PM, but hours may vary; it"s best to contact ahead.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for visiting or consulting; loan fees depend on the specific financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This lender primarily serves small business owners in the Saint Paul area, with membership requirements for account holders.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 650 is generally preferred, but other factors are also considered.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The process typically takes 2 to 4 weeks, depending on the loan complexity and completeness of application materials.
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