Loyal Trust Bank

This is a financial institution offering SBA loan programs and small business financing solutions to help entrepreneurs grow and succeed. You can find information on loan options, application processes, and support services tailored to small businesses. The bank specializes in SBA 7(a) loans, providing flexible funding for various business needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability. Calling ahead can help you prepare and streamline your visit.

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. Hours may vary on holidays or special occasions, so it's best to confirm before visiting.

There are no fees for simply visiting or consulting with the bank; however, loan applications and processing may involve fees such as application and closing costs, which are disclosed upfront.

This bank primarily serves small business owners and entrepreneurs, regardless of residency, provided they meet the lending criteria. Business eligibility is based on creditworthiness and business needs.

A minimum personal credit score of around 640 is generally preferred, though higher scores can improve approval chances and loan terms.

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

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

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

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

You can reach Loyal Trust Bank by phone at (678) 783-8018, via their online contact form, or reach SBA lending specialists directly: Jun Lee (Senior Loan Officer, SBA & Conventional, SVP) at Jun.Lee@loyaltrustbank.com or 678-380-4000, or Era Kohli (Business Growth Leader, SVP) at Era.Kohli@loyaltrustbank.com or (404) 509-4096. Please confirm current details with the bank.

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