Northwest Bank

This is a bank that provides SBA loan options to small and medium-sized businesses, offering personalized financial solutions to support growth and operational needs. You can find assistance with SBA 7(a) loans, guidance through the application process, and ongoing support for your business financing goals.

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

Northwest Bank's Warren location operates Monday through Thursday from 9:00 AM to 4:00 PM and Friday from 9:00 AM to 5:00 PM. Please confirm current hours directly with the branch.

There are no fees to access basic banking services, but SBA loan applications involve standard fees such as application and closing costs. These fees are disclosed during the loan process.

This bank primarily serves local residents and small business owners within its regional area, but they may also work with out-of-area clients depending on the loan program and circumstances.

Typically, a personal credit score of 640 or higher is preferred, though other factors such as business performance and collateral are also considered.

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

Northwest Bank's Warren branch is closed on Saturdays and Sundays; SBA lending staff are available Monday through Friday.

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

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

You can reach Northwest Bank by phone at (814) 723-9696 or online at locations.northwest.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 Northwest Bank before relying on them.

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