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First Port City Bank

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Description

First Port City Bank offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on serving the local community, the bank provides personalized service and flexible financing options to meet diverse business requirements. Their SBA programs include the 7(a) loan, which is ideal for working capital, equipment purchase, or real estate acquisition. The bank’s experienced lending team guides borrowers through the application process, ensuring clarity and support at every step. They are committed to fostering economic development in the Bainbridge area by providing accessible funding options for entrepreneurs and established businesses alike. Whether you’re starting a new venture or expanding an existing business, First Port City Bank’s SBA offerings can help you achieve your goals with competitive terms and dedicated service. The bank’s primary focus is on supporting local industries, especially those aligned with NAICS code 112320, which pertains to farming, fishing, and hunting. Their community-oriented approach emphasizes building lasting relationships and contributing to regional economic vitality.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.7
Google Review Count
12
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 designed to support local businesses" growth and success.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.
Question 4
Is there a fee to use this?
Answer 4
There are standard fees associated with SBA loans, which vary depending on the loan amount and terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This service is primarily available to local residents and businesses within the community, though some services may be accessible to non-residents under specific circumstances.
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 guarantors.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
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