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Unity National Bank of Houston

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Description

Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses with various loan programs designed to foster growth and stability. Their expertise includes SBA 7(a) loans, which are ideal for working capital, equipment purchase, or expansion projects, providing flexible terms and competitive rates. The bank also supports SBA 504 loans, focusing on real estate and major equipment acquisitions, with a streamlined application process. Clients benefit from personalized service and guidance throughout the loan process, ensuring their unique business needs are met efficiently. With a strong understanding of local market conditions, the bank is committed to helping entrepreneurs and small business owners access the capital they need to succeed. Their experienced team works closely with borrowers to tailor solutions that align with their financial goals, offering quick access to funding and expert advice at every step. Whether you’re starting a new venture or expanding an existing business, this bank provides the financial tools and support necessary to achieve your objectives.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.8
Google Review Count
125
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs designed to help small businesses grow and succeed. You can find information on various loan options, application processes, and personalized support tailored to your business needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated assistance, but walk-ins may be accommodated depending on availability. Contact the bank beforehand for the best experience.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM. It is advisable to call ahead to confirm hours or schedule an appointment.
Question 4
Is there a fee to use this?
Answer 4
There are application and closing fees associated with SBA loans, which vary depending on the loan amount and type. The bank provides transparent fee disclosures during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and entrepreneurs within the Houston region, but they may consider applicants from surrounding areas based on eligibility criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 620 is generally required, though higher scores may improve approval chances and loan terms.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and documentation provided.
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