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Guardian Bank

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Description

Guardian Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on the SBA 7(a) loan program, they provide flexible financing options that can include working capital, equipment purchase, or real estate acquisition. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located in Valdosta, GA, Guardian Bank is committed to supporting local businesses and fostering economic development in the region. Their loan offerings are designed to accommodate various business types, with an emphasis on personalized service and competitive rates. Whether you’re a startup or an established enterprise, Guardian Bank strives to meet your unique financial needs with tailored solutions and expert advice. They also support SBA 504 loans for real estate and equipment financing, providing a broad spectrum of options for business growth. Their team is dedicated to helping clients navigate the complexities of SBA lending, ensuring a smooth and transparent process. Guardian Bank’s commitment to community banking means they prioritize local economic health and long-term client relationships, making them a trusted partner for your business financing needs.

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Q&A

Lender Type
Commercial Bank
Google Rating
2.8
Google Review Count
11
Question 1
What is this place and what can I find here?
Answer 1
This is Guardian Bank, a regional bank offering SBA loan programs and business financing solutions. You can find assistance with SBA 7(a) and 504 loans, tailored to help small and medium-sized businesses grow and succeed.
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 specialist, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
Guardian Bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for accessing general information; fees related to loans depend on the specific financing product and terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This service is primarily available to local residents and business owners in the region seeking SBA financing solutions.
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 typically preferred, but higher scores can improve the likelihood of approval.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of application materials.
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