Journey Bank
Journey Bank is an active SBA lender in Pennsylvania, a bank offering SBA-guaranteed small-business loans. Currently rated 2.3 stars across 11 Google reviews.
$3M
in SBA approvals since 2010
8
SBA loans funded
Hotels & Lodging · Restaurants & Food Service · Construction & Contractors
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Journey Bank
Journey Bank offers comprehensive SBA lending solutions tailored to meet the needs of small businesses seeking financial support for growth, equipment, or working capital. With a focus on personalized service, the bank provides access to various SBA programs, including the popular 7(a) loan program, to help clients secure funding with favorable terms. Located in Bloomsburg, Pennsylvania, this community-oriented bank understands the local market and works closely with borrowers to structure loans that align with their business goals. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Whether you're a startup or an established business, Journey Bank aims to facilitate your success by providing flexible financing options, competitive rates, and dedicated support. The bank's commitment to small business growth is reflected in its ability to approve substantial loans, with the largest recorded approval amount reaching over $300,000. By leveraging their SBA expertise, Journey Bank helps entrepreneurs access capital that might otherwise be difficult to obtain through traditional lending channels, fostering economic development within the community and beyond.
Common questions about Journey Bank
What is this place and what can I find here?
This is a community-focused bank offering SBA loan programs and financial services tailored to small businesses in the Bloomsburg area, helping entrepreneurs access capital and grow their operations.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to meet with a lender, but walk-in consultations may be available during business hours depending on availability.
What are the hours of operation?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment upon request.
Is there a fee to use this?
There are no fees to visit the bank; however, loan processing and application fees may apply depending on the services requested.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and entrepreneurs within the regional community, but eligibility depends on meeting specific loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required for guarantors applying for SBA loans.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 45 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Journey Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Journey Bank to confirm current weekend availability before you go.
How do I get there and where do I park?
Journey Bank is located in Pennsylvania — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for Journey Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Journey Bank itself, which runs its own lending under its own ownership. If you work at Journey Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Journey Bank — 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 Journey Bank before applying. If you represent Journey Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Journey Bank by phone at (570) 784-1660 or online at journeybank.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 Journey Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Journey Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Journey Bank directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Journey Bank participates in SBA Express depends on its specific SBA lending authority. Contact Journey Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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. Journey Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
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. Journey Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Journey Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 Journey Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 Journey Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 Journey Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. Journey Bank weighs this case by case under its own policy, so be upfront about your history and ask Journey Bank how it evaluates prior bankruptcies.
