First Vision Bank of Tennessee

This is a commercial bank that offers SBA loan programs to help small businesses access financing for growth, expansion, and working capital needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

First Vision Bank of Tennessee operates Monday through Friday from 8:30 AM to 5:00 PM. Select locations offer limited Saturday drive-thru service. Please contact your branch directly to confirm hours and service availability.

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

This bank primarily serves small business owners and entrepreneurs within Tennessee, though some services may be available to out-of-state clients with qualifying businesses.

A minimum personal credit score of 650 is generally preferred, but stronger credit profiles may qualify with less stringent scores.

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

First Vision Bank of Tennessee offers limited Saturday drive-thru service at select locations, though full banking services are available Monday through Friday. Contact your local branch for specific Saturday hours.

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

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

You can reach First Vision Bank of Tennessee by phone at (931) 454-0500 or online at fvb.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 First Vision Bank of Tennessee before relying on them.

Based on its approved SBA loans, First Vision Bank of Tennessee most often finances businesses in automotive repair & services. This reflects First Vision Bank of Tennessee'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 Vision Bank of Tennessee 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 Vision Bank of Tennessee participates in SBA Express depends on its specific SBA lending authority. Contact First Vision Bank of Tennessee 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 Vision Bank of Tennessee 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 Vision Bank of Tennessee's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First Vision Bank of Tennessee 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 Vision Bank of Tennessee 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 Vision Bank of Tennessee 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 Vision Bank of Tennessee 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 Vision Bank of Tennessee weighs this case by case under its own policy, so be upfront about your history and ask First Vision Bank of Tennessee how it evaluates prior bankruptcies.