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North State Bank

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Description

North State Bank offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financial support for growth, working capital, or acquisitions. With a focus on personalized service, the bank provides various loan programs including the SBA 7(a) and 504 options, helping clients secure funding with competitive terms. Their experienced team guides borrowers through the application process, ensuring clarity and efficiency from start to finish. Located in Raleigh, North Carolina, North State Bank serves a broad range of industries, emphasizing community development and local economic growth. Whether you’re a startup or an established enterprise, their lending team is committed to helping you achieve your business goals with flexible financing options and expert advice. The bank also offers microloans and express lending services for quicker access to capital, making it a versatile partner for diverse business needs. Their commitment to supporting entrepreneurs and small businesses is evident through their tailored solutions and dedicated support staff, ensuring a smooth borrowing experience and fostering long-term success.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.4
Google Review Count
10
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs, business financing solutions, and expert support for small and medium-sized businesses in the region. You can find assistance with funding for growth, working capital, and acquisitions, along with personalized guidance throughout the application 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-ins may be accommodated depending on availability. Calling ahead can help streamline your visit and prepare necessary documentation.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from Monday to Friday, 9:00 AM to 5:00 PM. It"s advisable to contact the branch directly for specific hours or to schedule an appointment outside regular hours if needed.
Question 4
Is there a fee to use this?
Answer 4
There may be fees associated with loan applications, processing, and closing costs. These fees are disclosed upfront during the application process and vary depending on the loan type and amount.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This lender primarily serves small and medium-sized businesses within its regional area, but eligibility depends on meeting specific credit and business criteria. Non-residents may be considered if they meet certain requirements and have a U.S.-based business.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
Typically, a minimum personal credit score of 640 is preferred, but higher scores can improve approval chances. The bank evaluates the overall creditworthiness of the borrower and guarantor during the application process.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of submitted documentation. Working closely with the bank can help expedite the process.
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