First County Bank
First County Bank is an active SBA lender in Connecticut, a bank offering SBA-guaranteed small-business loans. Currently rated 4.4 stars across 39 Google reviews.
About First County Bank
First County Bank offers comprehensive SBA lending solutions tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, the bank provides a range of loan programs including the SBA 7(a) loan, which is ideal for business expansion, working capital, and equipment financing. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. Located in Stamford, Connecticut, the bank is committed to fostering economic development in the region. They serve a diverse array of industries, with particular strength in retail, healthcare, and service sectors. The bank's lending services are designed to meet the needs of small business owners looking for flexible financing options, competitive rates, and personalized service. Whether you're a startup or an established business, First County Bank aims to support your growth ambitions with tailored financial solutions and expert advice.
Industries First County Bank finances
Business types First County Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about First County Bank
What is this place and what can I find here?
This is a local bank offering SBA loan programs and personalized financial services to small businesses in the Stamford area.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to meet with a loan officer, but walk-ins are also welcome during business hours.
What are the hours of operation?
This Stamford location operates Monday–Wednesday 8:30 AM–4:00 PM, Thursday 8:30 AM–6:00 PM, and Friday 8:30 AM–4:00 PM. Confirm current hours with First County Bank.
Is there a fee to use this?
There are no fees for initial consultations; applicable loan fees are discussed during the application process.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small business owners within the region, but eligibility depends on meeting specific loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 650 is generally preferred, but approval considers overall financial health and collateral.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes 2 to 4 weeks, depending on the completeness of documentation and loan complexity.
Is this open on weekends?
Yes, this Stamford location is open Saturdays from 9:00 AM–12:00 PM; it is closed on Sundays. Confirm weekend availability with First County Bank.
How do I get there and where do I park?
First County Bank is located in Connecticut — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for First County Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by First County Bank itself, which runs its own lending under its own ownership. If you work at First County Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for First County Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with First County Bank before applying. If you represent First County Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach First County Bank by phone at (203) 462-4405 or online at firstcountybank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with First County Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, First County Bank most often finances businesses in general retail and restaurants & food service. This reflects First County Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with First County Bank which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether First County Bank participates in SBA Express depends on its specific SBA lending authority. Contact First County Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. First County Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. First County Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First County Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask First County Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask First County Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with First County Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. First County Bank weighs this case by case under its own policy, so be upfront about your history and ask First County Bank how it evaluates prior bankruptcies.
