FNBC Bank and Trust
Description
FNBC Bank and Trust offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, equipment, or operational needs. With a focus on the local community, the bank provides personalized assistance to entrepreneurs looking to access government-backed loan programs, including the SBA 7(a) loan program. Their team specializes in guiding clients through the application process, ensuring they meet all requirements and secure the funding they need to succeed. Whether you’re starting a new venture or expanding an existing business, FNBC Bank and Trust is committed to helping you achieve your goals with flexible financing options and expert advice.
Location
Review
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Q&A
Lender Type
Commercial Bank
Google Rating
4.4
Google Review Count
23
Question 1
What is this place and what can I find here?
Answer 1
This is a local SBA lender offering small business loans, banking services, and expert guidance to help entrepreneurs access funding and grow their businesses.
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 may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment upon request.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for visiting or consulting; however, loan products may have associated interest and service charges.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local small business owners and residents within the community, but services may be available to non-residents in certain cases.
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, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 45 days, depending on the completeness of documentation and loan complexity.