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The Merchants & Citizens Bank

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The Merchants & Citizens Bank
The Merchants & Citizens Bank

Description

Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses with a variety of loan programs. Whether you’re seeking funding for expansion, equipment, or working capital, they provide tailored solutions to meet your needs. Their team is experienced in guiding clients through the SBA application process, ensuring clarity and efficiency. Located conveniently at 6 College St in McRae, GA, they serve local entrepreneurs and businesses across the region. With a strong history of SBA program support, particularly in the 7A loan program, they are committed to helping small businesses thrive. The bank’s expertise extends to supporting businesses in the hospitality, retail, and service sectors, making them a versatile partner for diverse industries. They prioritize personalized service and flexible financing options, aiming to foster economic growth within their community and beyond.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.2
Google Review Count
6
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank that offers SBA loan programs and small business financing solutions. You can find assistance with funding your business growth, equipment purchases, or working capital needs.
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.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for visiting or consulting; however, loan application and processing fees may apply depending on the financing requested.
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 they also welcome out-of-area applicants with qualifying businesses.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is typically preferred, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process usually takes approximately 30 to 45 days, depending on the complexity of the loan and completeness of documentation.
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