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First Federal Community Bank, SSB

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Description

First Federal Community Bank, SSB offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on community banking, it provides personalized service and flexible financing options to meet diverse business requirements. The bank specializes in SBA loans, including the 7(a) program, and has a proven track record of approving substantial loan amounts, up to $471,300, to help local businesses thrive. Located in Paris, Texas, the bank is committed to supporting regional economic development through accessible lending solutions and expert guidance. Whether you’re starting a new venture or expanding an existing business, First Federal Community Bank is equipped to assist with tailored financing options that align with your goals. Its experienced team understands the local market and offers dedicated support throughout the loan process, ensuring a smooth experience from application to approval. The bank’s services are designed to foster small business growth and sustainability, making it a reliable partner for entrepreneurs in the region.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.2
Google Review Count
29
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA loan programs and personalized financial services to small businesses in the Paris, Texas area. You can find assistance with business financing, growth strategies, and expert 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 for general inquiries.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 8:30 AM to 5:00 PM, Monday through Friday. It"s advisable to call ahead to confirm hours or schedule an appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or inquire; however, specific loan products may have associated application or processing fees, which will be disclosed during the consultation.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
The bank primarily serves residents and small business owners within the region, but eligibility for specific programs depends on meeting 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 generally preferred, but approval depends on overall financial health and other qualifying factors.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of your application and documentation.
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