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Empire State Bank

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Description

Empire State Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on the Staten Island community and beyond, the bank provides various SBA loan programs including the popular 7(a) loan program, which is ideal for working capital, equipment purchases, and real estate acquisitions. The bank’s experienced lending team guides clients through the application process, ensuring clarity and support at every step. They are committed to helping entrepreneurs access the funding they need to succeed, offering competitive rates and flexible terms. Whether you’re a startup or an established business, Empire State Bank provides personalized solutions to meet your unique needs. Their expertise in SBA lending and local market knowledge make them a reliable partner for your business growth journey.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.8
Google Review Count
22
Question 1
What is this place and what can I find here?
Answer 1
This is a local SBA lender offering small business loans and financial services designed to help entrepreneurs grow and succeed. You can find information about different SBA loan programs, application guidance, and personalized support for your business needs.
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 lending specialist, but walk-ins may be accommodated based on availability. Contact the bank beforehand for the best experience.
Question 3
What are the hours of operation?
Answer 3
The bank"s typical hours are Monday through Friday from 9:00 AM to 5:00 PM. It"s advisable to call ahead to confirm specific hours or schedule an appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access basic information or initial consultations. Loan-specific fees apply during the application process, which will be transparently discussed with your lender.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and entrepreneurs within the Staten Island area and surrounding regions. Business eligibility depends on meeting SBA program requirements.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 620 is generally preferred, but higher scores improve approval chances and terms.
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 complexity of the loan and completeness of the application.
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