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First Southern Bank

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Description

First Southern Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, working capital, or acquisition needs. With a focus on personalized service, the bank provides SBA 7(a) loans that help entrepreneurs access funding with flexible terms and competitive rates. Their team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located in Waycross, Georgia, the bank is well-equipped to serve local businesses while also supporting clients across the region. The bank’s expertise extends to various industries, with a particular strength in manufacturing, and they are committed to fostering economic development in their community. Whether you’re looking for a small microloan or a larger SBA 7(a) loan, First Southern Bank is dedicated to helping small businesses succeed with tailored financing solutions.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.3
Google Review Count
10
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA loans and business banking services to support local small and medium-sized businesses in Georgia.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated time with a banking representative, 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 5:00 PM, Monday through Friday.
Question 4
Is there a fee to use this?
Answer 4
There may be application and closing fees associated with SBA loans, but details are provided during the consultation.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and businesses in Georgia, but also offers services to regional clients seeking SBA financing.
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, though specific requirements may vary.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 30 to 45 days, depending on the complexity of the application and completeness of documentation.
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