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Williamsville State Bank & Trust

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Description

Williamsville State Bank & Trust offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on small business financing, the bank provides various loan options including SBA 7(a) loans, which are ideal for working capital, equipment purchases, and real estate acquisitions. The bank’s team is dedicated to guiding clients through the loan application process, ensuring a smooth experience from start to finish. Their expertise in SBA programs helps businesses access funding that might otherwise be difficult to obtain through traditional lending channels. Located conveniently at 512 W Main St in Williamsville, IL, the bank maintains a strong commitment to supporting local entrepreneurs and fostering economic development in the region. Whether you’re a startup or an established business, Williamsville State Bank & Trust aims to meet your financing needs with personalized service and competitive terms.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.2
Google Review Count
5
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 designed to support entrepreneurs and business growth in the Williamsville area.
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 simply visiting or consulting; fees apply only to specific loan processing and closing services.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and small businesses within the Williamsville region, but eligibility depends on loan qualifications.
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 required, 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 2 to 4 weeks, depending on the complexity of the loan and completeness of documentation.
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