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Poppy Bank

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Description

Poppy Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a strong focus on small business financing, the bank provides access to SBA 7(a) loans, which are ideal for a variety of purposes including working capital, equipment purchase, and real estate acquisition. The bank’s experienced lending team guides clients through the application process, ensuring clarity and support at every step. Located in Santa Rosa, California, Poppy Bank is committed to serving local entrepreneurs and businesses across the region, leveraging its extensive industry expertise and community ties. The bank also supports other SBA programs, making it a versatile partner for small business owners looking for flexible financing options. Whether you need a loan for startup costs or expansion, Poppy Bank’s SBA offerings are designed to meet diverse business needs with competitive terms and personalized service.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.5
Google Review Count
17
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs designed to support small business growth and development. You can find assistance with loan applications, guidance on financing options, and personalized service to help your business succeed.
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 lending specialist, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from Monday to Friday, 9 am to 5 pm, but it"s best to contact them directly for specific hours and any after-hours services.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or inquire; however, loan applications and processing may involve standard fees associated with SBA loans and closing costs.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and entrepreneurs within its regional area, but eligibility for SBA loans is based on business criteria rather than residency alone.
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, though higher scores improve the likelihood of approval and favorable terms.
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 complexity of the application and completeness of documentation.
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