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SouthState Bank, National Association

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Description

Specializing in small business financing, this financial institution offers a variety of SBA loan programs tailored to meet the needs of entrepreneurs and business owners. Whether you’re seeking funding for expansion, equipment purchase, or working capital, they provide flexible options designed to support growth and stability. With a strong history of SBA program support, they are well-equipped to guide clients through the application process and ensure competitive terms. Their experienced team is committed to helping businesses succeed by providing personalized service and expert advice. Located in Winter Haven, FL, they serve a broad range of industries, with particular strength in sectors such as manufacturing, healthcare, and retail. Their commitment to accessible financing makes them a reliable partner for small and medium-sized enterprises looking to leverage SBA resources for their business goals.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.1
Google Review Count
38
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution that offers SBA loan programs and small business financing solutions. You can find information about loan options, application processes, and support services tailored to entrepreneurs and business owners.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated assistance, but walk-in consultations may also be available during business hours. Calling ahead can help you prepare and receive prompt service.
Question 3
What are the hours of operation?
Answer 3
Typically, the bank operates Monday through Friday from 9:00 AM to 5:00 PM, but hours may vary by location. It is best to contact the branch directly for specific hours.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for simply visiting or consulting, but loan applications and processing may involve fees such as guarantee fees, closing costs, or service charges, depending on the loan type.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and businesses within its geographic area, but SBA loan programs can be accessed by eligible small business owners nationwide, provided they meet the criteria.
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 the actual requirement can vary based on the loan specifics and the borrower"s overall financial profile.
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 loan and the completeness of the application and supporting documents.
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