DR Bank

This is a bank that specializes in SBA loans, offering small businesses access to funding options like the 7(a) program, with personalized service to help you grow your business.

It is recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-ins may be accommodated based on availability.

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

There are fees associated with SBA loans, including application and closing costs, which vary depending on the loan specifics.

This bank primarily serves small business owners in the Darien area and surrounding regions, but eligibility depends on meeting SBA loan requirements.

A minimum personal credit score of around 650 is generally preferred for SBA loan qualification.

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

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

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

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

You can reach DR Bank by phone at (203) 656-3500 or online at drbank.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 DR Bank before relying on them.

Like most SBA lenders, DR Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask DR Bank directly which industries 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 DR Bank participates in SBA Express depends on its specific SBA lending authority. Contact DR Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

DR Bank is an Award Winning SBA Preferred Lender, providing expedited decisions and exceptional service to small business clients. Contact them directly to confirm current PLP status.

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