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Fairfield County Bank

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Description

Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses with a variety of loan options. Whether you’re looking to expand, purchase equipment, or manage working capital, they provide tailored solutions to meet your needs. Their experienced team guides clients through the application process, ensuring clarity and support at every step. With a focus on personalized service, they help entrepreneurs access the capital they need to grow and succeed. The bank’s expertise in SBA programs makes it a reliable partner for small business owners seeking flexible financing options. They also offer specialized support for startups and established companies alike, fostering local economic development and business vitality.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.8
Google Review Count
48
Question 1
What is this place and what can I find here?
Answer 1
This is a commercial bank that offers SBA loan programs designed to support small businesses with various financing needs, including 7a and 504 loans. You can find personalized assistance, loan application guidance, and access to capital to help your business grow and succeed.
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 officer, but walk-in consultations may also be available during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It is advisable to contact the branch directly for specific hours or to schedule an appointment outside regular hours if needed.
Question 4
Is there a fee to use this?
Answer 4
There are fees associated with loan processing, including guarantee fees and closing costs, which vary depending on the loan type and amount. These fees are disclosed upfront during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and small business owners within its regional area, but eligibility requirements depend on the specific loan program and borrower qualifications.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 650 is typically required, though higher scores improve the chances of approval and favorable terms.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of submitted documentation.
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