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FCNB Bank

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Description

FCNB Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, they assist clients through the SBA 7(a) loan program, providing access to funds up to $765,000 for various business purposes. Their team specializes in guiding borrowers through the application process, ensuring compliance with SBA requirements, and securing competitive loan terms. Located in Steelville, Missouri, FCNB Bank has established a reputation for supporting local businesses with flexible financing options and expert advice. They serve a diverse range of industries, with particular strength in sectors such as manufacturing, retail, and services. Whether you are a startup or an established enterprise, FCNB Bank is committed to helping small businesses thrive by providing accessible SBA loans that meet your specific needs.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.6
Google Review Count
12
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank that provides SBA loan services to small businesses, including financing options, application assistance, and business support tailored to entrepreneurs in the Steelville area.
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-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 8:30 AM to 4:30 PM, with extended hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for initial consultations; however, loan processing and application fees may apply depending on the financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This service is primarily available to small business owners within Missouri, but eligibility depends on meeting SBA and bank criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 is generally preferred for loan approval.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
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