FVCbank

This is a commercial bank offering SBA loan programs and business financing solutions tailored to small and medium-sized businesses in the Fairfax area and beyond. You can find support for growth, expansion, equipment purchase, and refinancing needs through personalized service and expert guidance.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability. Contact the bank in advance to confirm your visit and prepare necessary documentation.

FVCbank's Fairfax, VA branch is open Monday through Friday from 9:00 AM to 5:00 PM. Confirm current hours directly with the branch at (703) 672-2580.

There are no fees for simply visiting or consulting; however, loan processing and application fees may apply depending on the services requested. These are discussed upfront during the application process.

This bank primarily serves small and medium-sized businesses within its regional area, but eligibility for SBA loans is based on business criteria rather than residency. Business owners across various industries can apply if they meet the loan requirements.

A minimum personal credit score of around 680 is generally preferred, though the final decision depends on the overall financial profile and collateral offered.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation provided.

FVCbank's Fairfax branch is closed on weekends. Saturday and Sunday hours are not available.

FVCbank is located at 11325 Random Hills Road, Suite 140, Fairfax, VA 22030 with ample free parking available for visitors.

This page is an independent directory listing for FVCbank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by FVCbank itself, which runs its own lending under its own ownership. If you work at FVCbank, you can claim this listing from this page to manage it.

The core details for FVCbank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with FVCbank before applying. If you represent FVCbank, claim this listing to keep its information up to date.

You can reach FVCbank by phone at (703) 672-2580 or online at fvcbank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with FVCbank before relying on them.

Based on its approved SBA loans, FVCbank most often finances businesses in restaurants & food service. This reflects FVCbank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with FVCbank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether FVCbank participates in SBA Express depends on its specific SBA lending authority. Contact FVCbank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. FVCbank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. FVCbank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask FVCbank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask FVCbank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask FVCbank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with FVCbank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. FVCbank weighs this case by case under its own policy, so be upfront about your history and ask FVCbank how it evaluates prior bankruptcies.