BNC National Bank

This is a financial institution that offers SBA loan programs to support small business growth and expansion. You can find information about different loan options, application processes, and personalized assistance for your business financing needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also accepted during business hours. Calling ahead can help streamline your visit.

The Glendale location's lobby is open Monday–Friday 8:30 AM–4:30 PM MST, and the drive-up window extends to 5:00 PM. Please confirm current hours directly with BNC National Bank.

There are no fees to access general information, but loan applications and processing may involve certain fees such as guarantee or closing costs, which will be disclosed upfront.

This lender primarily serves small business owners and entrepreneurs within the regional area, but they welcome applications from qualified applicants meeting their lending criteria.

A minimum personal credit score of 650 is generally preferred, though higher scores improve approval chances and loan terms.

The underwriting process typically takes between 30 to 45 days, depending on the completeness of your application and supporting documentation.

Most banks keep weekday business hours and are closed on weekends, and BNC National Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call BNC National Bank to confirm current weekend availability before you go.

On-site parking is available at the Glendale location for your convenience. Confirm details directly with BNC National Bank.

This page is an independent directory listing for BNC National Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by BNC National Bank itself, which runs its own lending under its own ownership. If you work at BNC National Bank, you can claim this listing from this page to manage it.

The core details for BNC National Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with BNC National Bank before applying. If you represent BNC National Bank, claim this listing to keep its information up to date.

You can reach BNC National Bank Glendale at (602) 508-3760, by email to the branch manager at NEstrada@bnc.bank, or via their contact form at bnc.bank/contact-us. For SBA loans, ask for their business lending department.

Based on its approved SBA loans, BNC National Bank most often finances businesses in restaurants & food service, medical practices & clinics, general retail, manufacturing, transportation & trucking, and construction & contractors. This reflects BNC National Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with BNC National Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether BNC National Bank participates in SBA Express depends on its specific SBA lending authority. Contact BNC National Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. BNC National Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. BNC National Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask BNC National Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask BNC National Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask BNC National Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with BNC National Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. BNC National Bank weighs this case by case under its own policy, so be upfront about your history and ask BNC National Bank how it evaluates prior bankruptcies.