First National Bank of Coffee County

This is a local SBA lender offering small business loans, including the popular 7(a) program, to help entrepreneurs finance their growth and operational needs in Douglas, GA.

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

The branch operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment upon request.

There are no fees to inquire about SBA loans; however, standard loan closing costs and guarantee fees may apply upon approval.

This lender primarily serves local small businesses in Douglas, GA, but eligibility depends on meeting SBA and credit requirements.

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

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

Most banks keep weekday business hours and are closed on weekends, and First National Bank of Coffee County 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 First National Bank of Coffee County to confirm current weekend availability before you go.

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

The core details for First National Bank of Coffee County — 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 First National Bank of Coffee County before applying. If you represent First National Bank of Coffee County, claim this listing to keep its information up to date.

You can reach First National Bank of Coffee County by phone at (912) 384-1100 or online at fnbcc.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 First National Bank of Coffee County before relying on them.

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