Bank of America, National Association

This is a financial institution offering SBA loan programs designed to help small businesses access capital for growth, real estate, and equipment needs. You can find personalized lending services, expert guidance, and a variety of loan options tailored to your business goals.

Ask Bank of America, National Association directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check Bank of America, National Association's website or call before you visit.

Browsing this directory is free. Any loan fees are set by Bank of America, National Association and the SBA program — ask the lender for its current schedule.

This service is open to small business owners nationwide who meet the eligibility criteria for SBA loans, regardless of residency, as long as they operate within the supported regions and industries.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask Bank of America, National Association what it looks for today.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.

Most bank SBA teams work weekdays; confirm with Bank of America, National Association before planning a weekend visit.

Bank of America, National Association is located in North Carolina — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Bank of America, National Association, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bank of America, National Association itself, which runs its own lending under its own ownership. If you work at Bank of America, National Association, you can claim this listing from this page to manage it.

The core details for Bank of America, National Association — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Bank of America, National Association before applying. If you represent Bank of America, National Association, claim this listing to keep its information up to date.

You can reach Bank of America, National Association by phone at (980) 335-3561 or online at locators.bankofamerica.com/nc/charlotte/financial-centers-charlotte-16702.html?utm_source=GMBlisting&utm_medium=organic — the same details are in the contact card on this page.

Based on its approved SBA loans, Bank of America, National Association most often finances businesses in wholesale & distribution, construction & contractors, manufacturing, medical practices & clinics, general retail, and restaurants & food service. This reflects Bank of America, National Association's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Bank of America, National Association which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Bank of America, National Association participates in SBA Express depends on its specific SBA lending authority. Contact Bank of America, National Association and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether Bank of America, National Association has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Bank of America, National Association's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bank of America, National Association directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Bank of America, National Association what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Bank of America, National Association to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Bank of America, National Association to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Bank of America, National Association weighs this case by case under its own policy, so be upfront about your history and ask Bank of America, National Association how it evaluates prior bankruptcies.