Studio Bank

This is a bank that specializes in SBA loans and small business financing, providing expert guidance and tailored loan solutions to help businesses grow and succeed.

It is recommended to schedule an appointment to meet with a loan officer, but walk-ins may be accommodated depending on availability. Contact the bank ahead of your visit for the best experience.

The bank's typical hours are Monday through Friday, from 9:00 AM to 5:00 PM, but it’s best to check directly with the branch for specific hours or after-hours appointments.

There are no fees for simply visiting or consulting; however, loan application fees and closing costs may apply depending on the services used.

This bank primarily serves local small business owners and residents, but its SBA loan programs are accessible to eligible businesses across the region with proper qualification.

A minimum personal credit score of around 640 is generally preferred, but the exact requirement may vary based on the loan type and borrower profile.

The underwriting process typically 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 Studio 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 Studio Bank to confirm current weekend availability before you go.

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

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

You can reach Studio Bank by phone at (615) 338-9998 or online at studiobank.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 Studio Bank before relying on them.

Like most SBA lenders, Studio Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Studio Bank directly which industries 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 Studio Bank participates in SBA Express depends on its specific SBA lending authority. Contact Studio 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. Studio 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. Studio Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Studio 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 Studio 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 Studio 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 Studio 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. Studio Bank weighs this case by case under its own policy, so be upfront about your history and ask Studio Bank how it evaluates prior bankruptcies.