Fulton Bank, National Association

This is a financial institution offering SBA loan programs and small business financing solutions, providing expert guidance and personalized service to help your business grow.

It is recommended to schedule an appointment to ensure dedicated time with a lender, but walk-in consultations may be available during business hours.

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday, but hours may vary by location and service type.

There are no fees to access basic information, but loan application and processing fees may apply depending on the loan type and amount.

This bank primarily serves small business owners and residents within its regional service area, with some services available nationally.

A minimum personal credit score of around 650 is generally preferred, but higher scores improve approval chances.

The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the loan and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Fulton Bank, National Association 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 Fulton Bank, National Association to confirm current weekend availability before you go.

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

The core details for Fulton Bank, National Association — 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 Fulton Bank, National Association before applying. If you represent Fulton Bank, National Association, claim this listing to keep its information up to date.

You can reach Fulton Bank, National Association by phone at (717) 291-2499 or online at fultonbank.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 Fulton Bank, National Association before relying on them.

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