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Genesee Regional Bank

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Description

Genesee Regional Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth and expansion. With a focus on fostering local economic development, the bank provides various loan programs including the SBA 7(a) loan program, which is ideal for working capital, equipment purchase, and business acquisition. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. The bank’s expertise in SBA loans helps entrepreneurs access funds up to $1,000,000, making it a reliable partner for business owners looking to leverage government-backed financing options. Located in Rochester, NY, they serve a broad region with a commitment to supporting regional economic vitality and business success.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.7
Google Review Count
50
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution that specializes in SBA loans and small business financing, offering guidance and support for entrepreneurs seeking government-backed funding options.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure personalized service, but walk-ins may be accommodated depending on availability.
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, but hours may vary, so it’s best to contact ahead.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for visiting or consulting; however, loan processing fees and closing costs apply depending on the loan terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This lender primarily serves small businesses within the regional area, but eligibility depends on meeting specific financial criteria.
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 higher scores can improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
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