Edison National Bank

This is a financial institution offering SBA loan programs, including the 7(a) loan, to support small business growth. You can find information about their lending services, application process, and support for entrepreneurs.

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's typical hours are Monday through Friday, 9:00 AM to 5:00 PM, but it is best to confirm with the local branch.

There are no fees for visiting the bank; however, loan application and processing fees may apply depending on the loan type and amount.

This bank primarily serves local residents and small business owners within the region, but eligibility depends on meeting loan requirements.

A minimum personal credit score of around 640 is generally preferred for loan qualification, though other factors are also considered.

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 Edison National 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 Edison National Bank to confirm current weekend availability before you go.

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

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

You can reach Edison National Bank at (239) 466-1800 or submit an inquiry through their online contact form at edisonnationalbank.com/email-us/. For SBA loans specifically, ask for their business lending department.

Like most SBA lenders, Edison National 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 Edison National 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 Edison National Bank participates in SBA Express depends on its specific SBA lending authority. Contact Edison National 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. Edison National 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. Edison National Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Edison National 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 Edison National 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 Edison National 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 Edison National 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. Edison National Bank weighs this case by case under its own policy, so be upfront about your history and ask Edison National Bank how it evaluates prior bankruptcies.