Bank of Dudley
Bank of Dudley is an active SBA lender in Georgia, a bank offering SBA-guaranteed small-business loans. Currently rated 4.2 stars across 6 Google reviews.
$58M
in SBA approvals since 2011
47
SBA loans funded
General Retail · Hotels & Lodging · Gas Stations & Convenience
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Bank of Dudley
Bank of Dudley offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, equipment, or working capital. With a focus on serving the local community, it provides flexible loan options through the SBA 7(a) program, known for its favorable terms and competitive rates. The bank specializes in small business financing, helping entrepreneurs access the capital they need to expand operations or start new ventures. Its experienced lending team guides clients through the application process, ensuring clarity and efficiency. Located in Dudley, Georgia, the bank is committed to supporting regional economic development and fostering local business success. Whether you're looking for a loan to purchase inventory, refinance debt, or fund expansion, Bank of Dudley offers personalized solutions designed to meet your unique needs. The bank's strong approval record and customer-centric approach make it a trusted partner for small business owners in the area.
Industries Bank of Dudley finances
Business types Bank of Dudley actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Bank of Dudley
What is this place and what can I find here?
This is a local bank that specializes in SBA loans, providing small businesses with financing options to support growth and development.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment, but walk-ins are also welcome during business hours for initial consultations.
What are the hours of operation?
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.
Is there a fee to use this?
There are no fees to access basic banking services; loan fees and interest rates vary depending on the product.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and residents within the Dudley region.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 is generally required for loan consideration.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes 2 to 4 weeks, depending on the completeness of documentation and loan complexity.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Bank of Dudley typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Bank of Dudley to confirm current weekend availability before you go.
How do I get there and where do I park?
Bank of Dudley is located in Georgia — 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.
Who owns or operates this listing?
This page is an independent directory listing for Bank of Dudley, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bank of Dudley itself, which runs its own lending under its own ownership. If you work at Bank of Dudley, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Bank of Dudley — 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 Dudley before applying. If you represent Bank of Dudley, claim this listing to keep its information up to date.
How do I contact this listing directly?
Bank of Dudley can be reached by phone at (478) 277-1500 or through their contact form at bankofdudley.com/utility/contact-us. Confirm current contact methods with the bank.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Bank of Dudley most often finances businesses in general retail and hotels & lodging. This reflects Bank of Dudley'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 Dudley which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
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 Dudley participates in SBA Express depends on its specific SBA lending authority. Contact Bank of Dudley and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Bank of Dudley can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
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 Dudley's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bank of Dudley directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 Dudley what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 Dudley to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 Dudley to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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 Dudley weighs this case by case under its own policy, so be upfront about your history and ask Bank of Dudley how it evaluates prior bankruptcies.
