Enterprise Bank of South Carolina

This is a bank that provides SBA loan programs and business financing solutions to small businesses, helping them grow and succeed.

It's recommended to schedule an appointment to ensure dedicated service, but walk-ins may be accommodated depending on availability.

The bank operates during regular business hours, typically Monday through Friday from 9 am to 5 pm, but it's best to call ahead for specific hours.

There are fees associated with loan applications and processing, which vary based on the loan type and amount.

This bank primarily serves small business owners and residents within South Carolina, focusing on local community support.

A minimum personal credit score of around 640 is typically preferred, but other factors such as business financials are also considered.

The underwriting process generally 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 Enterprise Bank of South Carolina 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 Enterprise Bank of South Carolina to confirm current weekend availability before you go.

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

The core details for Enterprise Bank of South Carolina — 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 Enterprise Bank of South Carolina before applying. If you represent Enterprise Bank of South Carolina, claim this listing to keep its information up to date.

You can reach Enterprise Bank of South Carolina by phone at (803) 267-3191 or online at ebsc.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 Enterprise Bank of South Carolina before relying on them.

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