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Texas Capital Bank

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Description

Texas Capital Bank offers comprehensive SBA lending services tailored to meet the needs of small businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, the bank provides a range of SBA loan programs including the popular 7(a) program, known for its flexibility and broad eligibility. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Whether you’re looking for funding to acquire equipment, expand your premises, or improve cash flow, Texas Capital Bank is equipped to assist with customized solutions. The bank’s expertise extends across various industries, making it a reliable partner for entrepreneurs across Texas and beyond. They also support various loan sizes, with approval amounts reaching up to $503,000, demonstrating their capacity to handle diverse funding needs. Their commitment to small business success is reflected in their dedicated SBA lending team, ready to help clients navigate the complexities of SBA programs and secure the necessary capital to thrive.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.8
Google Review Count
13
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that offers SBA loan programs designed to help small businesses access capital for growth and operational needs. You can find information about different loan options, application processes, and personalized support services tailored to small business owners.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-in consultations may be available during business hours. Contact the bank in advance to confirm availability and arrange a meeting.
Question 3
What are the hours of operation?
Answer 3
The bank"s typical hours are Monday through Friday from 9:00 AM to 5:00 PM. It"s advisable to call ahead or check their website for specific branch hours or any holiday closures.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access basic information or initial consultations. However, loan application fees and closing costs may apply depending on the specific SBA loan program and terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This service is primarily available to small business owners and entrepreneurs within the bank"s regional service area, though some programs may have broader eligibility criteria. It"s best to consult directly with the bank for specific eligibility details.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
Typically, a personal credit score of at least 650 is preferred, but the exact requirement can vary based on the loan type and overall applicant profile.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of submitted documentation.
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