Community First Capital Corp

This is a community-focused commercial bank offering SBA loan programs designed to support small business growth and development in Lancaster, PA. You can find personalized financial solutions, expert guidance, and access to capital to help your business succeed.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours for general inquiries.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. Appointments outside regular hours can be arranged upon request.

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

This bank primarily serves small business owners and entrepreneurs in Lancaster and the surrounding region, with a focus on local community development.

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

The underwriting process typically takes between 30 to 45 days, depending on the completeness of your application and documentation.

Most banks keep weekday business hours and are closed on weekends, and Community First Capital Corp 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 Community First Capital Corp to confirm current weekend availability before you go.

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

The core details for Community First Capital Corp — 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 Community First Capital Corp before applying. If you represent Community First Capital Corp, claim this listing to keep its information up to date.

You can reach Community First Capital Corp by phone at (717) 393-2351 or online at finanta.org — 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 Community First Capital Corp before relying on them.

Based on its approved SBA loans, Community First Capital Corp most often finances businesses in restaurants & food service, general retail, construction & contractors, manufacturing, childcare & early education, and wholesale & distribution. This reflects Community First Capital Corp'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 Community First Capital Corp which sectors it actively lends to before you apply.

Finanta offers SBA Express loans as part of its SBA lending programs, providing faster-turnaround financing alongside standard SBA 7(a) loans. Contact your nearest Finanta branch to confirm Express eligibility and current terms.

Finanta holds SBA Preferred Lender Program status, enabling in-house loan approvals with faster processing. Confirm current PLP benefits and terms directly with the lender.

Finanta offers microloans under $50,000 for borrowers with less than two years of operating history, though they primarily serve maturing businesses. Contact Finanta directly to discuss startup eligibility and requirements.

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 Community First Capital Corp 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 Community First Capital Corp 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 Community First Capital Corp 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. Community First Capital Corp weighs this case by case under its own policy, so be upfront about your history and ask Community First Capital Corp how it evaluates prior bankruptcies.