The Fidelity Bank

This is a financial institution that provides small business loans, including SBA programs, to help entrepreneurs grow and succeed. You can find personalized lending solutions, expert guidance, and access to various funding options tailored to your business needs.

It's recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are also welcome during business hours. Calling ahead can help you prepare and receive faster service.

The Fidelity Bank's Fuquay-Varina branch is open Monday through Friday from 9:00 AM to 5:00 PM (lobby hours; drive-thru opens at 8:30 AM). Please confirm current hours directly with the branch.

There are fees associated with loan processing and closing, which vary depending on the loan type and amount. These fees are disclosed during the application process.

This bank primarily serves small business owners within its geographic region, but eligibility depends on meeting credit and business criteria regardless of residency.

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

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

No, The Fidelity Bank's Fuquay-Varina branch is closed on weekends. Saturday and Sunday hours are not available.

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

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

You can reach The Fidelity Bank's Fuquay-Varina branch at (919) 552-2242, or call their support line at 1-855-547-1385 or after-hours assistance at 1-800-816-9608. For SBA loans specifically, ask to speak with their SBA lending team.

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