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The National Capital Bank of Washington

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Description

The National Capital Bank of Washington offers comprehensive SBA lending services tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, the bank provides a variety of loan options including the SBA 7(a) program, which is ideal for working capital, equipment purchases, and real estate acquisitions. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located in the heart of Washington, DC, the bank prides itself on community engagement and personalized service, making it a trusted partner for small business owners looking to expand or stabilize their operations. The bank’s expertise in SBA loans is backed by a history of approving large amounts, with the largest recorded approval reaching $3,900,000. Whether you’re a startup or an established business, they aim to provide flexible financing solutions to meet your unique needs.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.4
Google Review Count
27
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA loan programs, including the 7(a) loan, to support small business growth and development in Washington, DC. You can find personalized financial services, expert guidance, and access to capital 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-ins are also welcome during business hours. Calling ahead can help streamline your visit and prepare necessary documents.
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 check their website or contact directly for holiday hours or special closures.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or consult with the bank; however, loan processing and application fees may apply depending on the specific financing product.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small businesses and residents within the Washington, DC area, but eligibility depends on meeting their lending criteria and credit standards.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
Typically, a minimum personal credit score of 620 is 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 generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of submitted documentation.
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