River City Bank

This is a bank that offers SBA lending services to small businesses, providing access to capital through programs like 7A. You can find information on loan options, application processes, and support for business growth. The bank specializes in helping local businesses secure funding for expansion, equipment, and working capital needs.

It's 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 prepare your documentation and streamline the process.

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

There are no fees for initial consultations; however, loan processing and application fees may apply depending on the loan type and amount. These fees are disclosed upfront during the application process.

This bank primarily serves small business owners in the region, especially those seeking SBA financing. While they focus on local clients, they may also support regional businesses meeting their criteria.

Typically, a minimum personal credit score of 640 is preferred, but higher scores can improve approval chances and loan terms.

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

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

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

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

You can reach River City Bank by phone at (706) 236-2123 or online at rivercity.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 River City Bank before relying on them.

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