Builtwell Bank

This is a financial institution offering SBA loan programs and business financing solutions. You can find information about loan options, application processes, and personalized support for small businesses seeking growth capital.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability. Contact the bank ahead of your visit for the best experience.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM. It is advisable to call ahead for specific services or to schedule an appointment outside regular hours.

There are no fees for simply visiting or consulting with the bank. Loan applications and processing may involve standard fees, which will be disclosed during the application process.

This bank primarily serves local small business owners and residents within its geographic region. Eligibility for specific loan programs depends on creditworthiness and business qualifications.

A minimum personal credit score of around 650 is typically preferred, though higher scores improve approval chances. The bank considers overall financial health and business stability as well.

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application. Early preparation and clear documentation can help expedite the process.

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

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

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

You can reach Builtwell Bank by phone at (423) 668-4509 or online at builtwell.bank — 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 Builtwell Bank before relying on them.

Based on its approved SBA loans, Builtwell Bank most often finances businesses in manufacturing, hotels & lodging, general retail, automotive repair & services, wholesale & distribution, and gas stations & convenience. This reflects Builtwell 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 Builtwell 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 Builtwell Bank participates in SBA Express depends on its specific SBA lending authority. Contact Builtwell 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. Builtwell 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. Builtwell Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Builtwell 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 Builtwell 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 Builtwell 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 Builtwell 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. Builtwell Bank weighs this case by case under its own policy, so be upfront about your history and ask Builtwell Bank how it evaluates prior bankruptcies.