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Mid-America Bank

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Description

Mid-America Bank offers comprehensive SBA lending services tailored to meet the needs of small businesses seeking financial support for growth, expansion, or operational needs. With a focus on small business financing, the bank provides various loan options including SBA 7(a) loans, which are ideal for working capital, equipment, and real estate purchases. The bank’s experienced lending team guides clients through the application process, ensuring clarity and efficiency. Located in Baldwin City, Kansas, the bank serves local entrepreneurs and small business owners with personalized service and competitive rates. The bank is committed to supporting the economic development of its community by providing accessible financial solutions. Whether you’re starting a new venture or expanding an existing business, Mid-America Bank’s SBA programs can help you achieve your goals with flexible terms and expert advice.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.5
Google Review Count
11
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank offering SBA loan programs and small business financing solutions, helping entrepreneurs grow and expand their businesses with 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 time with a loan officer, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are application and closing fees associated with SBA loans, which vary depending on the loan size and terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners within the Baldwin City area and surrounding regions, but eligibility depends on meeting loan requirements.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 650 is generally preferred, 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 30 to 45 days, depending on the completeness of the application and documentation provided.
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