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Bank of Hays

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Description

Bank of Hays offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. As a trusted financial institution, it specializes in SBA 7(a) loans, providing flexible financing options with competitive terms. The bank’s team works closely with borrowers to understand their unique needs and guide them through the application process, ensuring a smooth experience from start to finish. With a focus on personalized service, Bank of Hays supports local entrepreneurs and businesses in the Hays, Kansas area, helping them achieve their goals with tailored lending solutions. Whether you’re looking for working capital, equipment financing, or real estate loans, this bank aims to be a reliable partner in your business journey. The bank’s commitment to small business growth is reflected in its support for various SBA programs, making it a go-to resource for entrepreneurs in the region.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.4
Google Review Count
16
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 support small businesses in the Hays area. You can find information about loan options, application processes, and financial guidance tailored to entrepreneurs and 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 loan officer, but walk-ins are also welcome during business hours. Calling ahead can help you prepare for your visit.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It"s advisable to contact the branch directly to confirm hours or schedule an appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or inquire at the bank. Loan application fees and other charges may apply depending on the specific financing product.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and entrepreneurs in the Hays region. Eligibility is based on meeting loan criteria and business qualifications.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 650 is generally preferred, though other factors are also considered during the approval process.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 2 to 4 weeks, depending on the completeness of your application and supporting documents.
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