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The Bath State Bank

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Description

The Bath State Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, the bank provides various loan options under the SBA 7(a) program, including working capital, equipment financing, and real estate purchases. Located in Bath, Indiana, the bank serves local entrepreneurs and small business owners, helping them access capital with competitive terms and flexible repayment options. Their experienced team guides clients through the application process, ensuring clarity and support at every step. The bank’s commitment to community development and small business success makes it a reliable partner for local economic growth. They support loans up to $67,500, making them ideal for small-scale projects and startups. Whether you’re looking to expand your business or need initial funding, The Bath State Bank is dedicated to helping you achieve your goals with tailored financial solutions.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.8
Google Review Count
17
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank offering SBA loan programs and financial services tailored to small businesses in the Bath area. You can find personalized support for business financing, including SBA 7(a) loans, to help grow and sustain your business.
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 streamline your visit and prepare necessary documentation.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. Hours may vary on holidays, so it"s best to contact them in advance for specific appointment times.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for simply visiting or consulting; however, loan processing and application fees may apply depending on the specific financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small business owners within the local community, but eligibility for loans depends on meeting specific credit and business criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 is generally required, though higher scores 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 typically takes between 2 to 4 weeks, depending on the completeness of your application and supporting documentation.
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