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.

Ask BNC National Bank directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check BNC National Bank's website or call before you visit.

Browsing this directory is free. Any loan fees are set by BNC National Bank and the SBA program — ask the lender for its current schedule.

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

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask BNC National Bank what it looks for today.

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

Most bank SBA teams work weekdays; confirm with BNC National Bank before planning a weekend visit.

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 by phone at (602) 508-3760 or online at www.bnc.bank/about-us/locations-and-hours/glendale-az — the same details are in the contact card on this page.

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.

Whether BNC National Bank has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

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.