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Civista Bank

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Description

Offering comprehensive SBA lending services, Civista Bank specializes in providing small business loans tailored to meet diverse financing needs. With a focus on supporting local entrepreneurs, the bank offers various SBA programs including the popular 7(a) loan program, which is ideal for working capital, equipment, or real estate purchases. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located at 100 E Water St in Sandusky, Ohio, Civista Bank is committed to fostering small business growth within the community and beyond. The bank’s expertise extends to supporting industries aligned with the NAICS code 238320, which pertains to commercial building construction. Whether you’re a startup or an established business, Civista Bank provides personalized solutions to help you succeed and expand your operations.

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Q&A

Lender Type
Commercial Bank
Google Rating
2.4
Google Review Count
26
Question 1
What is this place and what can I find here?
Answer 1
This is a bank offering SBA lending services to small businesses, including loans for growth, equipment, and real estate. You can find personalized assistance and financing options tailored to your business needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank operates during regular business hours, typically Monday through Friday from 9:00 AM to 5:00 PM, but it"s best to call ahead for specific appointment times.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit the bank; however, loan application and processing fees may apply depending on the financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This service is open to small business owners and entrepreneurs within the bank"s lending area who meet the SBA eligibility requirements.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 620 is generally required for SBA loan applicants and guarantors.
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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