Orrstown Bank

This is Orrstown Bank, a regional commercial bank offering SBA loan programs, including the 7(a) loan, to support small businesses in Harrisburg, Pennsylvania. You can find personalized lending solutions, expert guidance, and a commitment to regional economic growth. The bank specializes in helping small and medium-sized enterprises access government-backed financing to achieve their business goals.

It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours. Contact the bank in advance to discuss your needs and set up a convenient meeting time.

The bank's typical hours are Monday through Friday, 9:00 AM to 5:00 PM. It's advisable to call ahead to confirm hours or schedule an appointment outside regular hours if needed.

There may be fees associated with loan processing and closing, which vary depending on the loan size and terms. Consult with the bank's loan officers for detailed fee information.

This bank primarily serves small business owners in the Harrisburg region, but SBA loan programs are available to qualified businesses nationwide. Local eligibility and regional focus are emphasized for SBA lending.

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

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

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

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

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

You can reach Orrstown Bank by phone at (888) 677-7869, email at mybank@orrstown.com, or online at orrstown.com — please confirm current contact methods directly with the bank.

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