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BreadRoute Review
Dogwood State Bank
3.5Our Dogwood State Bank Review
Dogwood State Bank is a commercial bank serving small businesses with a broad lending menu that includes SBA 7(a), SBA 504, SBA Express, USDA Business and Industry loans, equipment finance, commercial real estate financing, term loans, and lines of credit. Financing ranges from $10,000 to $10 million, and no minimum time in business is required — though a 700 credit score is needed to qualify. The bank is primarily based in North Carolina; borrowers outside the Carolinas should confirm whether their location is served before applying. A good fit if you're looking for a relationship-oriented bank that can match your business to the right SBA or conventional product.
Who Is Dogwood State Bank Best For?
Based on eligibility requirements and available products.
- New businesses with limited operating history
- Businesses that need equipment or machinery financing
- Established businesses that qualify for SBA programs
- Businesses with commercial real estate financing needs
Financing Options
Eligibility Requirements
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Quick Overview
3.5Compare Alternatives
Other Commercial Bank lenders
Dogwood State Bank Pros & Cons
Pros
- Startup-friendly no seasoning requirement
- Lends nationwide
- High loan amounts available
- Wide range of financing products
Cons
- Requires strong credit (700+ minimum)
Frequently Asked Questions
Dogwood State Bank offers financing in the range of $10,000 to $10 Million.
Dogwood State Bank typically requires a minimum credit score of 700. Businesses with scores above this threshold are more likely to qualify for favorable terms.
Dogwood State Bank offers the following financing products: Equipment Finance, USDA Business and Industry, SBA 7(a), Commercial Real Estate Financing, SBA 504, SBA Express, Line of Credit, Term Loan.
Dogwood State Bank requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Dogwood State Bank provides financing to businesses across the United States.
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