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Oakworth Capital Bank

Oakworth Capital Bank offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financial growth and stability. With a focus on personalized service, the bank provides various loan options including SBA 7(a) loans, supporting business expansion, equipment purchase, and working capital needs. Their experienced team guides clients through the application process, ensuring clarity and efficiency. Located in Birmingham, Alabama, the bank leverages local market knowledge to assist businesses across diverse industries. The bank’s SBA programs are designed to accommodate a range of funding amounts, with approval amounts reaching up to $1,186,000. Whether you’re a startup or an established enterprise, Oakworth Capital Bank aims to foster economic development through accessible and flexible financing options.

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Commercial Bank

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Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loan programs and banking services designed to support small and medium-sized businesses in their growth and development efforts.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also accommodated depending on availability.

Question 3

What are the hours of operation?

Answer 3

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday, but hours may vary by location, so it’s best to contact ahead.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for simply visiting or consulting; fees apply only when processing loans or financial services as per the specific product terms.

Question 5

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

Answer 5

This bank primarily serves local residents and small businesses within its regional area, but eligibility depends on meeting specific financial criteria.

Question 6

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

Answer 6

A minimum personal credit score of approximately 640 is generally preferred for loan approval, though other factors are also considered.

Question 7

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

Answer 7

The underwriting process typically takes between 30 to 60 days, depending on the completeness of application materials and loan complexity.

Oakworth Capital Bank

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