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First Citizens State Bank

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Description

First Citizens State Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on small business financing, the bank provides SBA 7(a) loans up to $500,000, helping entrepreneurs access capital with flexible terms. Their experienced lending team works closely with clients to understand their unique needs and guide them through the application process. The bank’s commitment to personalized service ensures that each borrower receives attention and support from application to funding. Located in Whitewater, Wisconsin, they serve local businesses but also support regional economic development efforts. Whether you’re starting a new venture or expanding an existing business, First Citizens State Bank strives to be a trusted partner in your success.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.1
Google Review Count
17
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank providing SBA loan options and personalized financial services for small businesses in the Wisconsin region. You can find assistance with business loans, growth capital, and financial guidance tailored to your 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 loan officer, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 4:00 PM, Monday through Friday. It"s best to call ahead to confirm availability or schedule an appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or consult with the bank; however, loan application and processing fees may apply depending on the services used.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small business owners in Wisconsin, but non-residents may also be eligible based on specific 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 generally preferred, but approval depends on overall financial health and collateral.
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 completeness of your application and supporting documentation.
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