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Stearns Bank National Association

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Description

Stearns Bank National Association offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, the bank provides various SBA loan programs including the popular 7(a) program, known for its flexibility and broad eligibility criteria. Clients can access funding for a wide range of industries, from manufacturing to retail, with competitive rates and terms designed to meet diverse business goals. The bank’s experienced team guides borrowers through the application process, ensuring clarity and efficiency. Whether you’re looking for working capital, equipment financing, or real estate loans, Stearns Bank supports your business ambitions with a proven track record of successful SBA lending. The bank emphasizes quick turnaround times and dedicated support, making it a reliable partner for small business owners across the nation.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.3
Google Review Count
34
Question 1
What is this place and what can I find here?
Answer 1
This is a comprehensive SBA lender offering various loan programs to help small businesses grow and succeed. You can find information about loan options, application processes, and support services tailored to your business 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 assistance, but walk-ins may be accommodated depending on staff availability. Contact the bank ahead of time for the best experience.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 8:30 AM to 5:00 PM, Monday through Friday. It"s advisable to confirm hours directly with the branch before visiting.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for accessing general information, but loan application processes may involve standard SBA and bank fees, including guarantee and closing costs.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This lender primarily serves small and medium-sized businesses across the United States, regardless of residency, as long as eligibility criteria are met.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 620 is generally preferred, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 45 days, depending on the complexity of the loan and completeness of the application.
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