Decatur County Bank
Decatur County Bank is an active SBA lender in Tennessee, a bank offering SBA-guaranteed small-business loans. Currently rated 4.8 stars across 5 Google reviews.
About Decatur County Bank
Decatur County Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on small business financing, the bank provides various loan options, including SBA 7(a) loans, to help entrepreneurs access capital efficiently. Their experienced lending team guides clients through the application process, ensuring clear communication and personalized service. The bank specializes in supporting local businesses within the Decaturville area, but also offers nationwide lending capabilities for qualified applicants. Whether you're looking to acquire equipment, expand your operations, or manage cash flow, Decatur County Bank is committed to helping small businesses succeed with flexible loan programs and competitive terms.
Common questions about Decatur County Bank
What is this place and what can I find here?
This is Decatur County Bank, a financial institution offering SBA loan programs and small business financing options to help entrepreneurs grow and succeed.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment for personalized service, but walk-ins are also welcome during business hours.
What are the hours of operation?
The bank operates Monday through Friday from 8:30 AM to 4:30 PM, with additional hours by appointment.
Is there a fee to use this?
There are no fees to access basic information; loan fees and closing costs vary depending on the specific loan and terms.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and entrepreneurs, with lending available nationwide for qualified applicants.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required, though higher scores improve approval chances.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Decatur County Bank 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 Decatur County Bank to confirm current weekend availability before you go.
How do I get there and where do I park?
Decatur County Bank is located in Tennessee — 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.
Who owns or operates this listing?
This page is an independent directory listing for Decatur County Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Decatur County Bank itself, which runs its own lending under its own ownership. If you work at Decatur County Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Decatur County Bank — 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 Decatur County Bank before applying. If you represent Decatur County Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
Contact Decatur County Bank by phone at (731) 852-2821, email customerservice@decaturcountybank.com, or visit their contact form at decaturcountybank.com/contact-us/. For SBA lending, confirm routing with their business lending department.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Decatur County Bank 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 Decatur County Bank directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Decatur County Bank participates in SBA Express depends on its specific SBA lending authority. Contact Decatur County Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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. Decatur County Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
Decatur County Bank's SBA loans support financing for new startup ventures as part of their business lending solutions. For specific eligibility and startup requirements, confirm directly with their commercial lending team.
What are the typical down payment expectations for commercial real estate acquisitions?
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 Decatur County Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 Decatur County Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 Decatur County Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. Decatur County Bank weighs this case by case under its own policy, so be upfront about your history and ask Decatur County Bank how it evaluates prior bankruptcies.
