CFBank National Association

This is a commercial bank that offers SBA loan programs designed to support small and medium-sized businesses. You can find information about loan options, application processes, and personalized financial guidance here.

It's recommended to schedule an appointment to meet with a lending specialist, but walk-in consultations may also be available during business hours.

The bank's typical hours are Monday through Friday, 9 am to 5 pm, but it's best to contact them directly for specific appointment times.

There are no fees for initial consultations; however, loan processing and closing fees may apply depending on the financing arrangement.

This bank primarily serves small business owners and entrepreneurs, with lending services available to qualified applicants nationwide.

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

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

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

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

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

You can reach CFBank National Association by phone at (614) 334-7979 or online at cf.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 CFBank National Association before relying on them.

Based on its approved SBA loans, CFBank National Association most often finances businesses in manufacturing, construction & contractors, restaurants & food service, transportation & trucking, general retail, and wholesale & distribution. This reflects CFBank 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 CFBank 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 CFBank National Association participates in SBA Express depends on its specific SBA lending authority. Contact CFBank National Association and ask if it offers SBA Express and what the current limits and terms look like for your situation.

CFBank National Association holds SBA Preferred Lender Program status, which means they can make final decisions on most SBA loans on behalf of the SBA without sending each approval to the government first — enabling faster loan decisions. Please confirm current PLP status with the bank directly.

CFBank can finance startups through SBA loans, though startup applicants must provide a detailed business plan and 2-year financial projections. Confirm startup-specific requirements and collateral needs directly with their business lending team.

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 CFBank 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 CFBank 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 CFBank 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. CFBank National Association weighs this case by case under its own policy, so be upfront about your history and ask CFBank National Association how it evaluates prior bankruptcies.