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KS Bank, Inc.

Offering comprehensive SBA lending options, this financial institution specializes in supporting small businesses with various loan programs tailored to different growth stages. Whether you need funding for expansion, equipment, or working capital, they provide personalized solutions to meet your business needs. With a focus on the SBA 7(a) program, they have a proven track record of approving sizable loans, including amounts up to $613,800, to help entrepreneurs succeed. Their experienced team guides clients through the application process, ensuring clarity and efficiency. Located in Smithfield, North Carolina, they serve local businesses while also supporting clients across the region. Their commitment to small business growth is reflected in their flexible lending criteria and dedicated customer service, making them a reliable partner for your business financing needs.

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Lender Type

Commercial Bank

Google Rating

4.3

Google Review Count

Question 1

What is this place and what can I find here?

Answer 1

This is a bank that offers SBA loans and small business financing solutions. You can find information about loan programs, application processes, and personalized support for your business needs.

Question 2

Do I need an appointment or can I walk in?

Answer 2

You can walk in during business hours or schedule an appointment for a more personalized consultation with their lending team.

Question 3

What are the hours of operation?

Answer 3

The branch operates Monday through Friday from 9:00 AM to 5:00 PM, with additional appointment options available outside these hours.

Question 4

Is there a fee to use this?

Answer 4

There are no fees to visit the branch; however, loan application and processing fees may apply depending on the loan type.

Question 5

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

Answer 5

This bank primarily serves local residents and small business owners in North Carolina, but they also support regional clients seeking SBA financing.

Question 6

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

Answer 6

A minimum personal credit score of 640 is typically required, though other factors such as business financials are also considered.

Question 7

How long does the traditional underwriting process take from start to close?

Answer 7

The underwriting process usually takes between 2 to 4 weeks, depending on the completeness of your application and documentation.

KS Bank, Inc.

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