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The Citizens Bank of Philadelphia

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Description

The Citizens Bank of Philadelphia offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and development. With a focus on the Philadelphia community, this institution provides various loan options, including SBA 7(a) loans, to help entrepreneurs access capital for expansion, equipment, or working capital needs. Their experienced team guides clients through the application process, ensuring clarity and support at every step. The bank specializes in serving local businesses but also extends its services across the region, making it a reliable partner for small business owners looking to leverage SBA programs. Their loan offerings are designed to accommodate a range of business sizes and industries, with flexible terms and competitive rates. Whether you’re starting a new venture or expanding an existing business, they are committed to helping you achieve your financial goals with personalized service and expert advice.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.8
Google Review Count
10
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that offers SBA loan programs and small business financing options to help entrepreneurs grow their businesses. You can find information about loan products, application processes, and personalized support for your financial needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank"s typical hours are Monday through Friday, 9 AM to 5 PM, but it"s best to contact them directly for specific appointment times or after-hours services.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit the bank; however, loan application and processing fees may apply depending on the specific financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
The bank primarily serves residents and small business owners in the Philadelphia region, but eligibility varies based on loan program requirements.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 650 is generally preferred, but other factors may influence approval decisions.
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 completeness of application materials.
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