Quaint Oak Bank

This is a commercial bank that offers SBA loan programs and financial services tailored to small businesses. You can find assistance with funding options, loan applications, and business growth strategies.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

The bank operates during standard business hours from 9 am to 5 pm, Monday through Friday.

There are no fees for visiting the bank; however, fees may apply for specific services or loan processing, which should be discussed with a representative.

This bank primarily serves local residents and small business owners within the region, but non-residents may also be eligible depending on the loan program.

A minimum personal credit score of around 640 is generally preferred, though higher scores improve approval chances.

The underwriting process typically takes 2 to 4 weeks, depending on the complexity of the loan and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Quaint Oak Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Quaint Oak Bank to confirm current weekend availability before you go.

Quaint Oak Bank is located in Pennsylvania — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Quaint Oak Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Quaint Oak Bank itself, which runs its own lending under its own ownership. If you work at Quaint Oak Bank, you can claim this listing from this page to manage it.

The core details for Quaint Oak Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Quaint Oak Bank before applying. If you represent Quaint Oak Bank, claim this listing to keep its information up to date.

You can reach Quaint Oak Bank by phone at (215) 364-4059 or online at quaintoak.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Quaint Oak Bank before relying on them.

Based on its approved SBA loans, Quaint Oak Bank most often finances businesses in restaurants & food service, fitness & recreation, medical practices & clinics, automotive repair & services, construction & contractors, and general retail. This reflects Quaint Oak Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Quaint Oak Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Quaint Oak Bank participates in SBA Express depends on its specific SBA lending authority. Contact Quaint Oak Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Quaint Oak Bank holds SBA Preferred Lender (PLP) status, authorizing in-house credit decisions for faster approvals. Confirm your specific program eligibility with the bank.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Quaint Oak Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Quaint Oak Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Quaint Oak Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Quaint Oak Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Quaint Oak Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Quaint Oak Bank weighs this case by case under its own policy, so be upfront about your history and ask Quaint Oak Bank how it evaluates prior bankruptcies.