Metro City Bank

This is a local bank that provides SBA loan options and personalized financial services to small businesses in the Doraville area. You can find expert guidance on financing solutions tailored to your business needs and support throughout the loan process.

It is recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It's best to call ahead for specific services or to confirm hours on holidays.

There are no fees to visit or consult with the bank; however, loan applications and processing may involve standard fees such as origination or closing costs, which will be disclosed upfront.

This bank primarily serves small business owners and entrepreneurs in the local community, but eligibility for SBA loans is based on business criteria rather than residency alone.

A minimum personal credit score of 620 is generally required, though higher scores may improve loan terms and approval chances.

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

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

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

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

You can reach Metro City Bank through their website at metrocitybank.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 Metro City Bank before relying on them.

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