First Port City Bank

This is a community-focused bank offering SBA loan programs and personalized financial services designed to support local businesses" growth and success.

It is recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are welcome during business hours.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.

There are standard fees associated with SBA loans, which vary depending on the loan amount and terms.

This service is primarily available to local residents and businesses within the community, though some services may be accessible to non-residents under specific circumstances.

A minimum personal credit score of 640 is generally required for guarantors.

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 First Port City 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 First Port City Bank to confirm current weekend availability before you go.

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

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

You can reach First Port City Bank by phone at (229) 246-6200 or via the contact form at firstportcity.com/contact-us — confirm directly with the bank for SBA-specific inquiries.

Based on its approved SBA loans, First Port City Bank most often finances businesses in hotels & lodging, childcare & early education, restaurants & food service, medical practices & clinics, and general retail. This reflects First Port City 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 First Port City 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 First Port City Bank participates in SBA Express depends on its specific SBA lending authority. Contact First Port City Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Yes, First Port City Bank holds SBA Preferred Lender Program status, which enables faster loan approvals — confirm the current designation with the bank.

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