Volunteer Bank, A Division of Lawrence Bank

This is a local bank that offers SBA loans and small business financing options to help entrepreneurs grow their businesses in Nashville.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.

There are no fees for simply visiting the bank; fees may apply for loan processing and services.

This bank primarily serves small business owners and residents in the Nashville area.

A minimum personal credit score of 640 is generally required.

The underwriting process typically takes between 30 to 45 days.

Most banks keep weekday business hours and are closed on weekends, and Volunteer Bank, A Division of Lawrence 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 Volunteer Bank, A Division of Lawrence Bank to confirm current weekend availability before you go.

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

The core details for Volunteer Bank, A Division of Lawrence 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 Volunteer Bank, A Division of Lawrence Bank before applying. If you represent Volunteer Bank, A Division of Lawrence Bank, claim this listing to keep its information up to date.

You can reach Volunteer Bank, A Division of Lawrence Bank by phone at (615) 780-6100 or online at volunteer.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 Volunteer Bank, A Division of Lawrence Bank before relying on them.

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