Community Banking Company

This is a community-focused bank offering SBA loan programs and small business financing solutions designed to support local entrepreneurs and business owners.

It's recommended to schedule an appointment to ensure dedicated assistance, but walk-in consultations may also be available during business hours.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with special hours by appointment on Saturdays.

There are no fees for initial consultations; however, loan processing and closing may involve standard origination and service fees.

This bank primarily serves local residents and small business owners within the Georgia region, but eligibility depends on meeting specific lending criteria.

A minimum personal credit score of 650 is generally preferred, though higher scores can improve loan approval chances.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the application and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Community Banking Company typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Community Banking Company to confirm current weekend availability before you go.

Community Banking Company is located in Georgia — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Community Banking Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Community Banking Company itself, which runs its own lending under its own ownership. If you work at Community Banking Company, you can claim this listing from this page to manage it.

The core details for Community Banking Company — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Community Banking Company before applying. If you represent Community Banking Company, claim this listing to keep its information up to date.

You can reach Community Banking Company by phone at (229) 423-4321, email at custrep@cbcfitzgerald.com, or online at communitybankoffitzgerald.com — confirm with the lender for SBA loan-specific contacts.

Like most SBA lenders, Community Banking Company can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Community Banking Company directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Community Banking Company participates in SBA Express depends on its specific SBA lending authority. Contact Community Banking Company and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Community Banking Company can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Community Banking Company's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Community Banking Company directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Community Banking Company what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Community Banking Company to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Community Banking Company to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Community Banking Company weighs this case by case under its own policy, so be upfront about your history and ask Community Banking Company how it evaluates prior bankruptcies.