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Intracoastal Bank

Intracoastal Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and expansion. With a focus on the Florida market, this bank provides various loan programs including the SBA 7(a) and 504 loans, helping entrepreneurs access capital for purchasing equipment, real estate, or working capital needs. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. The bank’s commitment to personalized service means they work closely with borrowers to understand their unique needs and craft suitable financing solutions. Whether you’re a startup or an established business, Intracoastal Bank aims to support your goals with flexible terms and competitive rates. Their expertise in SBA lending ensures that clients receive the guidance and resources necessary to succeed in a competitive marketplace. The bank’s primary focus is on fostering local economic growth while providing reliable financial products to small business owners across the region. With a strong reputation for customer service and a deep understanding of SBA programs, Intracoastal Bank is a trusted partner for business financing in Palm Coast and beyond.

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Lender Type

Commercial Bank

Google Rating

4.2

Google Review Count

Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loan programs designed to help small businesses access capital for growth, real estate, equipment, and working capital needs. You can find personalized financial guidance, loan options, and support throughout the application process.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability. Calling ahead can help streamline your visit.

Question 3

What are the hours of operation?

Answer 3

Typically, the bank operates from Monday to Friday, 9 am to 5 pm. It is advisable to contact the branch directly for specific hours or to schedule an appointment outside regular hours.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for simply visiting or consulting; however, loan processing fees and other charges may apply during the financing process. These are disclosed upfront during application.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This bank primarily serves small business owners within the region, but eligibility depends on meeting credit and business criteria. Non-residents may need to provide additional documentation.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

A minimum personal credit score of 620 is generally required to qualify for SBA loans, 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 60 days, depending on the complexity of the application and completeness of documentation.

Intracoastal Bank

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