FNB South
FNB South is an active SBA lender in Georgia, a bank offering SBA-guaranteed small-business loans. Currently rated 4.5 stars across 24 Google reviews.
$52M
in SBA approvals since 2010
39
SBA loans funded
Hotels & Lodging · Restaurants & Food Service · Medical Practices & Clinics
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About FNB South
FNB South offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financing options. With a focus on supporting local entrepreneurs, this lender provides various loan programs including SBA 7(a) loans, which are ideal for business expansion, working capital, and equipment purchases. Their team is dedicated to guiding clients through the application process, ensuring a smooth experience from start to finish. Located in Alma, Georgia, they serve businesses across the region, helping them access the capital needed to grow and succeed. The bank's expertise in SBA lending ensures competitive terms and personalized service to meet each business's unique needs. Whether you're a startup or an established enterprise, FNB South can assist with funding solutions that align with your goals. They also support other SBA programs, making them a versatile partner for your business financing needs. Their commitment to community development and small business success makes them a trusted choice for SBA loans in the area.
Common questions about FNB South
What is this place and what can I find here?
This is a commercial bank offering SBA loan programs and financial services to small and medium-sized businesses in the Alma area. You can find assistance with SBA 7(a) loans, business financing options, and personalized banking support tailored to your business needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours.
What are the hours of operation?
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.
Is there a fee to use this?
There may be application and processing fees associated with SBA loans; specific fee details will be discussed during the application process.
Who is this open to — anyone, or only residents/members?
This service is open to small business owners in Georgia seeking SBA financing, regardless of residency, as long as they meet the eligibility criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is generally preferred, but other factors also influence approval.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes 30 to 45 days, depending on the completeness of your application and supporting documents.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and FNB South 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 FNB South to confirm current weekend availability before you go.
How do I get there and where do I park?
FNB South 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.
Who owns or operates this listing?
This page is an independent directory listing for FNB South, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by FNB South itself, which runs its own lending under its own ownership. If you work at FNB South, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for FNB South — 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 FNB South before applying. If you represent FNB South, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach FNB South by phone at (912) 632-7262, email Support@fnbsouth.net, or online at fnbsouth.net — please confirm current contact details with the bank.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, FNB South 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 FNB South directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether FNB South participates in SBA Express depends on its specific SBA lending authority. Contact FNB South and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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. FNB South can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
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. FNB South's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask FNB South directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 FNB South what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 FNB South to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 FNB South to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. FNB South weighs this case by case under its own policy, so be upfront about your history and ask FNB South how it evaluates prior bankruptcies.
