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First Service Bank

First Service Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, the bank provides SBA 7(a) loans, which are ideal for a variety of business purposes including working capital, equipment purchase, and real estate acquisition. Their experienced lending team guides clients through the application process, ensuring clarity and support from start to finish. The bank’s commitment to community banking means they understand local market dynamics and can offer flexible lending solutions. Whether you’re a startup or an established business, First Service Bank aims to facilitate your financial goals with competitive rates and attentive service. Their SBA programs support businesses across various industries, emphasizing a customer-centric approach to financing. Located in Greenbrier, Arkansas, they serve local businesses with a focus on building long-term relationships and fostering economic growth in the region.

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Lender Type

Commercial Bank

Google Rating

4.9

Google Review Count

172

Question 1

What is this place and what can I find here?

Answer 1

This is a community-focused bank offering SBA lending services to support small and medium-sized businesses in the Greenbrier area. You can find personalized financial solutions, expert guidance, and support for various business needs, including expansion, equipment, and real estate. The bank"s team is dedicated to helping local businesses grow and succeed with flexible financing options.

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 lending specialist, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit and ensure the right staff is available to assist you.

Question 3

What are the hours of operation?

Answer 3

The bank operates Monday through Friday from 8:30 AM to 5:00 PM. Special hours may apply on holidays, so it"s best to contact the branch directly for specific scheduling details.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for simply visiting or consulting with a banker. However, standard loan application and processing fees may apply if you proceed with financing.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This bank primarily serves local residents and businesses in the Greenbrier area, but they also work with regional clients seeking SBA loans. Business eligibility depends on meeting lending criteria and creditworthiness.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

Typically, a minimum personal credit score of 640 is preferred, but the final decision depends on the overall credit profile and business financials.

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 your application.

First Service Bank

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