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Bottom line: Agriculture businesses and other local operations can benefit from a wide range of low-cost financing from this community-oriented lender. But look elsewhere for term loans and SBA 7(a) loans. Read our full review.
Types of loans available | Business lines of credit, agriculture loans, equipment loans, SBA 504 loans, commercial real estate financing, personal loans, personal lines of credit, auto loans, HELOCs, mortgages |
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Online applications | No |
Number of branches | 7 |
Branch hours | 8:30 a.m. to 5 p.m. Monday through Thursday, 8:30 a.m. to 6 p.m. Friday, 8:30 a.m. to 12 p.m. Saturday |
Customer service hours | Not stated |
Customer service options | Form email, phone |
Mobile app | Yes |
Routing number | 31315544 |
Susquehanna Community Bank (SBC) is a small bank with six branches along the Susquehanna River in Pennsylvania — not to be confused with Susquehanna Bank that was acquired by BB&T. Its stated mission is to "help our family, friends and neighborhood succeed," and it won a spot on the US Banker Magazine's national list of top community banks in 2020.
Susquehanna Community Bank offers most of your standard business loans, plus a specialized program for agricultural businesses. All branches are open on Saturdays and at least half an hour outside of business hours every day — rare for a community bank. And you can manage your accounts on your phone, thanks to its mobile app.
But like most small banks, SBC doesn't have everything. For general-use term loans, you'll have to go to another lender. And while it's an SBA lender, it doesn't offer loans through the popular 7(a) program.
You can find the following types of financing for business and personal use at this local lender. Most business financing options are designed for agriculture, though they aren't exclusive to the industry.
Susquehanna has a dedicated financing program for agriculture businesses that could have more options than its standard loan programs. This includes the Ag Farmstead Loan, which you can use to purchase agricultural real estate. Contact Agriculture Relationship Manager Sarah Maneval at 570-568-4405 to learn more about your borrowing options.
In most cases, you have to set up an appointment with a loan officer to get a loan through SCB by calling 570-568-6851 to speak with a representative. The one exception is the Eagle Premium line of credit, which has an online application. All business loans and other types of financing are handled in person.
Typically you'll discuss your business's finances and borrowing options to come up with a loan or line of credit that best fits your business's needs. This can take a few weeks the first time around. But the funding process is typically faster once you have a relationship with the bank.
An online lender can be a faster option when you don't have time to spend on an application. These providers don't offer same personal relationship you might find with SCB, but can get funded within 24 hours in some cases. Select a few pieces of information about your business to compare business loans available online. If you don't meet the requirements set by the lender your application will be rejected.
BBB accredited | No |
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BBB rating | A+ |
BBB customer complaints | 1 customer complaints |
Yelp | 1 out of 5 stars, based on 1 customer reviews |
Customer reviews verified as of | 19 August 2021 |
SCB only has a few online reviews and complaints, which is common for a bank of this size. You can get a better sense of what to expect by speaking to other Pennsylvania business owners who have borrowed from this bank.
There are fewer employee reviews of this bank than appears at first — Indeed mixes reviews from Susquehanna Bank and SCB. Most are positive, though it's not enough to make a judgment. Usually, positive employee reviews can translate into a positive customer experience.
You might also want to consider these products for your business or yourself if you choose to borrow with SCB:
SCB first opened its doors in 1920 in West Milton, Pennsylvania under the name West Milton State Bank. It remained small for most of its 100-year history, only adding more branches in the 1980s.
It changed its name to Susquehanna Community Bank in 2018 to reflect its six locations along the Susquehanna River. But it serves customers in over 39 states, thanks in part to its network of 55,000 ATMs.
Take time to read about other providers to see how SCB compares.