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Florida Capital Bank, National Association

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Description

Florida Capital Bank, National Association offers comprehensive SBA lending services tailored to meet the needs of small businesses seeking financial support. With a focus on the 7A loan program, this institution provides flexible funding options for various business purposes, including working capital, equipment purchases, and real estate acquisitions. Their experienced team works closely with clients to understand their unique needs and guide them through the application process, ensuring a smooth and efficient experience. Located in Jacksonville, FL, they serve a broad client base across the region, leveraging their extensive banking expertise to support local economic growth. Whether you’re a startup or an established business looking to expand, Florida Capital Bank is equipped to help you achieve your goals with personalized service and competitive terms. The bank’s commitment to small business success is reflected in their tailored loan solutions, quick turnaround times, and dedicated support staff. They also provide guidance on credit requirements, collateral, and documentation needed to secure SBA financing, making the process transparent and accessible for borrowers at various stages of their business journey.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.7
Google Review Count
15
Question 1
What is this place and what can I find here?
Answer 1
This is a comprehensive SBA lender offering various loan programs designed to support small businesses. You can find information on loan options, application requirements, and how to get started with financing for your business 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 assistance, but walk-in consultations may be available during business hours. Contact the bank in advance to confirm availability and set up a meeting.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It"s advisable to call ahead to confirm hours and schedule an appointment if needed.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access general information, but loan processing and application fees may apply depending on the specific financing arrangement. Always review the fee structure with your loan officer.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This lender primarily serves small business owners across the nation, regardless of residency, as long as they meet the eligibility criteria for SBA loans and other qualifying factors.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 650 is generally preferred, but the exact requirement may vary based on the loan amount and overall financial profile.
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 provided.
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