The Juniata Valley Bank

This is a community-focused bank that offers SBA loan programs to help small businesses grow and succeed. You can find personalized financial solutions tailored to your business needs, including SBA 7(a) loans for expansion, equipment, and working capital.

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 facilitate a smoother process.

Juniata Valley Bank's hours vary by location. Most weekday branches operate from 8:00 AM or 8:30 AM to 4:00 PM, with Friday hours typically extended to 5:00 PM or 6:00 PM, and some locations with reduced Wednesday hours. Please contact the bank or check your specific branch location for exact hours.

There are application and closing fees associated with SBA loans, which are typically disclosed upfront. These fees vary depending on the loan size and type.

This bank primarily serves local residents and small business owners within the community, but they may also work with regional clients depending on the loan program.

A minimum personal credit score of around 650 is generally preferred, though higher scores improve the chances of approval.

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

Juniata Valley Bank operates limited Saturday hours from 8:30 AM to 12:00 PM at most branches; the bank is closed on Sundays. Please confirm with the bank directly for your specific location's weekend availability.

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

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

You can reach The Juniata Valley Bank by phone at (717) 436-8275 or online at jvbonline.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 The Juniata Valley Bank before relying on them.

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