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Keystone Savings Bank

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Keystone Savings Bank
Keystone Savings Bank

Description

Keystone Savings Bank offers comprehensive SBA lending solutions tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, this bank provides flexible loan options, including SBA 7(a) loans, to help fund various business needs such as expansion, equipment purchase, and working capital. Their experienced team guides clients through the application process, ensuring clarity and support at every step. Located in Marengo, IA, they serve the local community with personalized service and a commitment to fostering small business success. The bank’s SBA program history highlights their long-standing expertise in facilitating small business financing, making them a reliable partner for entrepreneurs looking to leverage SBA resources. Whether you’re starting a new venture or expanding an existing one, Keystone Savings Bank aims to provide accessible and efficient lending options to meet your business goals.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.5
Google Review Count
2
Question 1
What is this place and what can I find here?
Answer 1
This is a local community bank offering SBA lending programs and personalized banking services to small businesses in the area. You can find support for business expansion, equipment financing, and working capital needs, along with expert guidance throughout the loan process.
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 officer, but walk-in consultations may also be available during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 8:30 AM to 4:30 PM. Special hours or appointments outside regular times can be arranged by contacting the branch directly.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for general banking services, but specific loan applications may include origination, guaranty, and closing fees based on the loan terms and amount.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and small business owners within the community, but eligibility for SBA loans is based on business criteria and creditworthiness rather than residency alone.
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 preferred, but other factors such as business cash flow and collateral are also considered in the approval process.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 45 days, depending on the completeness of your application and the complexity of your loan request.
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