Guardian Bank

This is Guardian Bank, a regional bank offering SBA loan programs and business financing solutions. You can find assistance with SBA 7(a) and 504 loans, tailored to help small and medium-sized businesses grow and succeed.

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

Guardian Bank's lobby typically operates Monday through Thursday from 9:00 AM to 4:00 PM and Friday from 9:00 AM to 5:00 PM, though hours vary by location. Please confirm with your specific Guardian Bank branch.

There are no fees for accessing general information; fees related to loans depend on the specific financing product and terms.

This service is primarily available to local residents and business owners in the region seeking SBA financing solutions.

A minimum personal credit score of around 640 is typically preferred, but higher scores can improve the likelihood of approval.

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of application materials.

Guardian Bank is closed on Sundays but some locations offer Saturday drive-thru service. Please confirm with your specific branch for Saturday availability.

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

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

You can reach Guardian Bank by phone at (229) 241-9444 or online at guardian.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 Guardian Bank before relying on them.

Like most SBA lenders, Guardian Bank 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 Guardian Bank directly which industries 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 Guardian Bank participates in SBA Express depends on its specific SBA lending authority. Contact Guardian Bank 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. Guardian Bank 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. Guardian Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Guardian 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 Guardian 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 Guardian 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 Guardian 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. Guardian Bank weighs this case by case under its own policy, so be upfront about your history and ask Guardian Bank how it evaluates prior bankruptcies.