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Wayne County Bank

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Description

Wayne County Bank offers comprehensive SBA lending services tailored to meet the needs of small businesses seeking financial support for growth, expansion, or operational needs. With a focus on small business financing, the bank provides various SBA loan programs, including the popular 7(a) program, to help entrepreneurs access capital efficiently. Located in Waynesboro, Tennessee, the bank has a strong history of supporting local businesses with flexible loan options and personalized service. Their team is dedicated to guiding clients through the application process, ensuring they understand the requirements and benefits of SBA loans. Whether you’re looking to purchase equipment, expand your operations, or improve cash flow, Wayne County Bank can assist with loans up to $350,000, backed by their extensive experience in SBA lending. The bank’s commitment to community development and small business success makes them a reliable partner for entrepreneurs in the region.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.2
Google Review Count
23
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA loan programs and small business financing solutions. You can find assistance with loan applications, guidance on SBA programs, and personalized support for 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 8:30 AM to 4:30 PM, Monday through Friday. It is advisable to contact ahead for specific appointment times or after-hours assistance.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit the bank, but application and closing fees may apply to SBA loan services, which will be disclosed upfront.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small business owners in the Waynesboro area, but they may consider applications from qualifying businesses outside the immediate region.
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 generally preferred, though other factors are also considered in the approval process.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 30 to 45 days, depending on the completeness of your application and the complexity of your loan request.
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