The Apple Creek Banking Company

This is a local commercial bank that offers small business loans, SBA financing, and personalized banking services to support your business growth and financial needs.

You can walk in during business hours, but scheduling an appointment is recommended to ensure dedicated service and faster processing.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.

Fees depend on the specific loan or service; detailed fee structures are provided during the application process.

This bank primarily serves local residents and small business owners within the community, but SBA programs may have broader eligibility.

A minimum personal credit score of 620 is generally required for SBA loan guarantors.

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

Most banks keep weekday business hours and are closed on weekends, and The Apple Creek Banking Company 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 The Apple Creek Banking Company to confirm current weekend availability before you go.

The Apple Creek Banking Company is located in Ohio — 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 The Apple Creek Banking Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Apple Creek Banking Company itself, which runs its own lending under its own ownership. If you work at The Apple Creek Banking Company, you can claim this listing from this page to manage it.

The core details for The Apple Creek Banking Company — 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 The Apple Creek Banking Company before applying. If you represent The Apple Creek Banking Company, claim this listing to keep its information up to date.

You can reach The Apple Creek Banking Company by email at service@applecreekbank.com or phone (330) 698-2631. For business lending details, confirm your contact with the bank.

Like most SBA lenders, The Apple Creek Banking Company can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask The Apple Creek Banking Company directly which industries 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 The Apple Creek Banking Company participates in SBA Express depends on its specific SBA lending authority. Contact The Apple Creek Banking Company and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. The Apple Creek Banking Company can confirm its current PLP standing — ask before you apply if speed matters to you.

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. The Apple Creek Banking Company's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Apple Creek Banking Company 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 The Apple Creek Banking Company 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 The Apple Creek Banking Company 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 The Apple Creek Banking Company 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. The Apple Creek Banking Company weighs this case by case under its own policy, so be upfront about your history and ask The Apple Creek Banking Company how it evaluates prior bankruptcies.