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Oxford Bank

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Description

Oxford Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a strong focus on SBA programs, the bank provides flexible loan options including the popular 7(a) loan program, which helps businesses access capital with favorable terms. The bank’s team of experienced lenders works closely with clients to understand their unique needs and guide them through the application process, ensuring a smooth experience from start to finish. Whether you’re looking to finance equipment, real estate, or working capital, Oxford Bank is committed to supporting local businesses with personalized service and competitive rates. Their expertise in SBA lending makes them a reliable partner for entrepreneurs in the Oxford area and beyond, helping to foster economic development and business success.

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Q&A

Lender Type
Commercial Bank
Google Rating
4
Google Review Count
59
Question 1
What is this place and what can I find here?
Answer 1
This is a commercial bank that offers SBA loan programs and financial services tailored to small businesses, helping them access capital for growth and operational needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to meet with a lender, but walk-in consultations may be available during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9 am to 5 pm, with appointments available outside these hours upon request.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit the bank; however, loan application and processing fees may apply depending on the services used.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local small businesses and residents in the Oxford area, but business clients from surrounding regions may also be eligible.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is generally preferred, but other factors are also considered during the approval process.
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 complexity of the loan and completeness of the application.
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