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River City Bank

River City Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and expansion. With a focus on the healthcare sector, this bank provides flexible loan options to meet diverse business needs. Their SBA program expertise ensures that clients receive personalized guidance through the application process, making it easier to access capital. Whether you’re looking for working capital, equipment financing, or real estate loans, River City Bank is equipped to assist. They understand the importance of timely funding and strive to deliver efficient service. Their team is dedicated to helping small businesses succeed by leveraging SBA programs like 7A to provide competitive terms and favorable conditions. Located in Rome, Georgia, they serve local businesses while also supporting clients across the region. The bank’s commitment to small business growth is evident in their tailored solutions and attentive customer service. If you’re a small business owner in need of SBA financing, River City Bank offers a trusted partnership to help you achieve your goals.

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Lender Type

Commercial Bank

Google Rating

4.5

Google Review Count

Question 1

What is this place and what can I find here?

Answer 1

This is a bank that offers SBA lending services to small businesses, providing access to capital through programs like 7A. You can find information on loan options, application processes, and support for business growth. The bank specializes in helping local businesses secure funding for expansion, equipment, and working capital needs.

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 are also welcome during business hours. Calling ahead can help prepare your documentation and streamline the process.

Question 3

What are the hours of operation?

Answer 3

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It"s advisable to call ahead to confirm hours or schedule an appointment outside regular hours if needed.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for initial consultations; however, loan processing and application fees may apply depending on the loan type and amount. These fees are disclosed upfront during the application process.

Question 5

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

Answer 5

This bank primarily serves small business owners in the region, especially those seeking SBA financing. While they focus on local clients, they may also support regional businesses meeting their criteria.

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 and loan terms.

Question 7

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

Answer 7

The underwriting process usually takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.

River City Bank

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