Buckeye State Bank

This is a bank that offers SBA loan programs to small businesses, providing funding options and expert guidance to help entrepreneurs grow and succeed.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with special hours by appointment on weekends.

There are no fees to visit the bank; however, loan processing and origination fees may apply depending on the financing arrangement.

This bank primarily serves small business owners within its regional area, but eligibility is based on the business and borrower qualifications.

A minimum personal credit score of 640 is generally preferred, though higher scores improve approval chances.

The underwriting process typically takes 2 to 4 weeks, depending on the completeness of the application and documentation provided.

Most banks keep weekday business hours and are closed on weekends, and Buckeye State Bank 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 Buckeye State Bank to confirm current weekend availability before you go.

Buckeye State Bank is located in Ohio — 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 Buckeye State Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Buckeye State Bank itself, which runs its own lending under its own ownership. If you work at Buckeye State Bank, you can claim this listing from this page to manage it.

The core details for Buckeye State Bank — 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 Buckeye State Bank before applying. If you represent Buckeye State Bank, claim this listing to keep its information up to date.

You can reach Buckeye State Bank by phone at (614) 796-4747 or online at joinbsb.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Buckeye State Bank before relying on them.

Based on its approved SBA loans, Buckeye State Bank most often finances businesses in restaurants & food service, construction & contractors, real estate & property management, cleaning, landscaping & janitorial, automotive repair & services, and manufacturing. This reflects Buckeye State Bank'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 Buckeye State Bank 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 Buckeye State Bank participates in SBA Express depends on its specific SBA lending authority. Contact Buckeye State Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

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. Buckeye State Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

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. Buckeye State Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Buckeye State Bank 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 Buckeye State Bank 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 Buckeye State Bank 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 Buckeye State Bank 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. Buckeye State Bank weighs this case by case under its own policy, so be upfront about your history and ask Buckeye State Bank how it evaluates prior bankruptcies.