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HomeTrust Bank

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Description

HomeTrust Bank offers comprehensive SBA lending solutions tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, the bank provides access to SBA 7(a) loans, which are ideal for a variety of business purposes including working capital, equipment purchase, or real estate acquisition. Their team specializes in guiding clients through the application process, ensuring quick and efficient approval times, and flexible repayment options. Located in Asheville, North Carolina, the bank is committed to supporting local entrepreneurs and fostering economic development in the region. The bank’s SBA program history demonstrates a strong track record of successful approvals, with loans up to $205,000. Whether you’re just starting out or expanding an existing business, HomeTrust Bank offers the expertise and resources to help you achieve your goals.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.5
Google Review Count
68
Question 1
What is this place and what can I find here?
Answer 1
This is a commercial bank offering SBA loan programs and banking services tailored to small businesses, including financing options and personalized support.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for accessing basic banking services; specific loan fees apply during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and residents in the Asheville region, but offers services to qualified applicants nationwide for SBA loans.
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 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 2 to 4 weeks, depending on the completeness of documentation and loan complexity.
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