Eaton Community Bank

This is a local community bank offering SBA loan programs and personalized financial services for small businesses in the Charlotte area.

It's recommended to schedule an appointment with a loan officer to discuss your needs, 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 extended hours by appointment.

There are no fees for consulting with a loan officer; however, loan processing and closing fees may apply depending on the financing terms.

This bank primarily serves small business owners and residents within the Charlotte community and surrounding areas.

A minimum personal credit score of 620 is generally required to qualify for SBA loans.

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

Most banks keep weekday business hours and are closed on weekends, and Eaton Community 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 Eaton Community Bank to confirm current weekend availability before you go.

Eaton Community Bank is located in Michigan — 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 Eaton Community Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Eaton Community Bank itself, which runs its own lending under its own ownership. If you work at Eaton Community Bank, you can claim this listing from this page to manage it.

The core details for Eaton Community 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 Eaton Community Bank before applying. If you represent Eaton Community Bank, claim this listing to keep its information up to date.

You can reach Eaton Community Bank by phone at (517) 543-3880 or online at eaton.bank — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Eaton Community Bank before relying on them.

Like most SBA lenders, Eaton Community 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 Eaton Community Bank directly which industries it actively lends to before you apply.

Eaton Community Bank participates in the SBA Express program, which provides faster turnaround for loans up to $500,000; contact their business team to discuss whether this option fits your needs.

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. Eaton Community Bank 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. Eaton Community Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Eaton Community Bank 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 Eaton Community Bank 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 Eaton Community Bank 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 Eaton Community Bank 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. Eaton Community Bank weighs this case by case under its own policy, so be upfront about your history and ask Eaton Community Bank how it evaluates prior bankruptcies.