The Citizens State Bank
Description
Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses with various loan programs. Whether you’re seeking funding for expansion, equipment, or working capital, they provide tailored solutions to meet your needs. Their experienced team guides clients through the application process, ensuring clarity and efficiency. With a focus on community development, they serve businesses across diverse industries, helping entrepreneurs achieve their goals. The bank’s commitment to personalized service makes it a trusted partner for small business financing in the region.
Location
Review
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Q&A
Lender Type
Commercial Bank
Google Rating
5
Google Review Count
1
Question 1
What is this place and what can I find here?
Answer 1
This is a commercial bank that offers SBA loan programs and financial services tailored for small businesses. You can find assistance with funding, loan applications, and business growth strategies here.
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 accepted 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.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit the bank, but loan application and processing fees may apply depending on the services used.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank serves the local community and small business owners, primarily residents and businesses within the region.
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, but other factors such as business cash flow are also considered.
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 documentation.