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The Citizens National Bank of Bluffton

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Description

Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses through various loan programs. With a focus on the SBA 7(a) loan program, it provides funding solutions for a range of business needs, including working capital, equipment purchase, and expansion projects. The bank has a strong track record of approving substantial loans, with the largest recorded approval amount reaching $875,000. Its experienced lending team is dedicated to guiding entrepreneurs through the application process, ensuring they understand the requirements and benefits of SBA financing. Located in Bluffton, Ohio, the bank serves local businesses while also supporting broader regional economic growth. Whether you are a startup or an established enterprise, this bank aims to facilitate your business goals with flexible terms and personalized service. The institution is committed to fostering small business success by providing accessible funding options and expert advice to help entrepreneurs thrive in competitive markets.

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Q&A

Lender Type
Commercial Bank
Google Rating
4
Google Review Count
9
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank offering SBA loan programs and small business financing solutions. You can find expert guidance, loan application support, and funding options tailored to your business 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-in consultations may also be available during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It is advisable to call ahead to confirm availability for specific services.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or inquire; however, loan processing and application fees may apply depending on the financing options chosen.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and small business owners within the region, but eligibility for specific loan programs may vary based on business location and qualifications.
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 recommended, though higher scores can improve the likelihood of approval.
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 completeness of your application and supporting documentation.
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