States Served
Top Industries Financed
- Insurance Agencies and Brokerages
- Fitness and Recreational Sports Centers
- Limited-Service Restaurants
- Offices of Certified Public Accountants
- All Other Amusement and Recreation Industries
Quick Summary
Oconee State Bank is an SBA-approved lender headquartered in WATKINSVILLE, Georgia. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 91 SBA 7(a) loans totaling $82.0M, with an average loan size of $901K. They serve businesses across 19 states.
About Oconee State Bank
Oconee State Bank is an SBA-approved lender headquartered in WATKINSVILLE, Georgia. Since 2020, they have approved 91 SBA 7(a) loans totaling $82.0M, with an average loan size of $901K. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They serve businesses across 19 states.
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Frequently Asked Questions
Is Oconee State Bank an SBA Preferred Lender?
Yes, Oconee State Bank is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.
How many SBA loans has Oconee State Bank approved?
According to SBA FOIA public records, Oconee State Bank has approved 91 SBA 7(a) loans totaling $82.0M since 2020. Their average loan size is $901K.
What states does Oconee State Bank serve?
Oconee State Bank serves businesses in 19 states: Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Louisiana, Mississippi, North Carolina, Nebraska, Nevada, New York, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas.
How do I apply for an SBA loan with Oconee State Bank?
To apply for an SBA 7(a) loan with Oconee State Bank, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.
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