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S & T Bank

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Description

S & T Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or working capital. With a focus on personalized service, the bank provides SBA 7(a) loans that help entrepreneurs access funding with flexible terms and competitive rates. Their team specializes in guiding clients through the application process, ensuring a smooth experience from start to finish. Whether you’re looking to purchase equipment, refinance debt, or expand operations, S & T Bank is equipped to meet your needs with customized lending solutions. Located at 800 Philadelphia St in Indiana, PA, they serve a diverse range of industries, emphasizing community development and small business success. Their expertise in SBA programs makes them a reliable partner for business owners aiming to leverage government-backed financing options. The bank’s commitment to supporting local businesses is reflected in their tailored approach and extensive industry knowledge, making them a trusted resource for entrepreneurs across the region.

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Q&A

Lender Type
Commercial Bank
Google Rating
2.5
Google Review Count
19
Question 1
What is this place and what can I find here?
Answer 1
This is a bank offering SBA loan programs designed to help small and medium-sized businesses access financing for growth and development. You can find personalized lending solutions, expert guidance, and community-focused banking services here.
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 specialist, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access basic banking services; loan application fees and interest rates apply based on the specific financing product.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank serves local residents and small business owners within the region, with some services available to non-residents upon qualification.
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 improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes 2 to 4 weeks, depending on the complexity of the loan and completeness of documentation.
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