First Capital Bank
Description
First Capital Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and development. With a focus on the local community, the bank provides access to SBA 7(a) loans, which are ideal for various business needs including working capital, equipment purchase, and real estate acquisition. Their experienced lending team works closely with clients to understand their unique circumstances and craft solutions that align with their goals. The bank prides itself on personalized service, quick turnaround times, and flexible financing options to help small businesses thrive in the Quanah area and beyond.
Location
Review
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Q&A
Lender Type
Commercial Bank
Google Rating
4.8
Google Review Count
6
Question 1
What is this place and what can I find here?
Answer 1
This is a local SBA lender offering small business loans, including SBA 7(a) financing, to support business growth and development in the Quanah 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 service, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 9 AM to 5 PM, Monday through Friday, but hours may vary, so it’s best to call ahead.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access the lender’s services, but loan application and processing fees may apply depending on the loan terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This lender primarily serves small business owners in the Quanah region and surrounding areas, focusing on local entrepreneurs.
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 required for loan consideration, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 2 to 4 weeks, depending on the complexity of the application and completeness of documentation.