Fairfield County Bank

This is a commercial bank that offers SBA loan programs designed to support small businesses with various financing needs, including 7a and 504 loans. You can find personalized assistance, loan application guidance, and access to capital to help your business grow and succeed.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.

Fairfield County Bank typically operates Monday through Friday, 9:00 a.m. to 4:00 p.m. at most locations. Please confirm specific hours with your local branch.

There are fees associated with loan processing, including guarantee fees and closing costs, which vary depending on the loan type and amount. These fees are disclosed upfront during the application process.

This bank primarily serves local residents and small business owners within its regional area, but eligibility requirements depend on the specific loan program and borrower qualifications.

A minimum personal credit score of around 650 is typically required, though higher scores improve the chances of approval and favorable terms.

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

Most Fairfield County Bank locations are closed on weekends, though select branches offer limited Saturday hours from 9:00 a.m. to 12:00 p.m. Contact your local branch to confirm weekend availability.

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

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

You can reach Fairfield County Bank by phone at (203) 431-7431 or online at fairfieldcountybank.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 Fairfield County Bank before relying on them.

Based on its approved SBA loans, Fairfield County Bank most often finances businesses in general retail, restaurants & food service, construction & contractors, medical practices & clinics, automotive repair & services, and veterinary services. This reflects Fairfield County Bank'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 Fairfield County Bank 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 Fairfield County Bank participates in SBA Express depends on its specific SBA lending authority. Contact Fairfield County 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. Fairfield County 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. Fairfield County Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Fairfield County 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 Fairfield County 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 Fairfield County 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 Fairfield County 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. Fairfield County Bank weighs this case by case under its own policy, so be upfront about your history and ask Fairfield County Bank how it evaluates prior bankruptcies.