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First Citizens Community Bank

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Description

First Citizens Community Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financing options. With a focus on supporting local entrepreneurs, this bank provides a variety of loan programs including SBA 7(a), which is ideal for working capital, equipment purchases, and business expansion. Their experienced lending team guides clients through the application process, ensuring clarity and efficiency. Located in Mansfield, PA, they serve the surrounding region with personalized service and flexible loan options designed to meet diverse business needs. The bank’s commitment to small business growth is reflected in their support for startups and established companies alike, providing access to capital that fuels economic development. Whether you’re looking for a small microloan or a larger approval amount, First Citizens Community Bank is equipped to assist with your financial goals, leveraging their local expertise and SBA program knowledge to help you succeed.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.6
Google Review Count
17
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank offering SBA loan programs and business financing options. You can find assistance with small business loans, guidance through the application process, and personalized financial services tailored to your business needs.
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 lending specialist, but walk-in consultations may also be available during business hours.
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, but it is best to call ahead for specific appointment times or after-hours services.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to inquire about SBA loans or to receive initial consultation; however, specific loan processing fees and closing costs may apply during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and business owners in the Mansfield, PA region, but they may consider out-of-area applicants based on specific loan criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is typically required, but stronger scores may improve the chances of approval and better loan 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 loan and completeness of the application.
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