Capitol National Bank

This is a bank that provides SBA loan options to small and medium-sized businesses, helping them grow and succeed. You can find personalized financial services, expert guidance, and access to SBA programs like the 7(a) loan, tailored to meet your business needs.

It's recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are also welcome during business hours. Calling ahead can help you meet with the right loan officer and streamline your application process.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM. Special hours may apply on holidays, so it's best to check their website or call ahead for specific times.

There are no fees to access basic consultation services, but loan processing involves standard SBA fees, including guarantee fees and closing costs, which vary depending on the loan terms.

This bank primarily serves local residents and businesses in the Lansing area, but they also support regional clients seeking SBA financing solutions.

A minimum personal credit score of 620 is generally required, though higher scores may improve loan eligibility and terms.

The underwriting process typically takes around 30 to 45 days, depending on the complexity of the loan and completeness of the application.

Most banks keep weekday business hours and are closed on weekends, and Capitol 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 Capitol National Bank to confirm current weekend availability before you go.

Capitol National Bank is located in Michigan — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

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

The core details for Capitol 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 Capitol National Bank before applying. If you represent Capitol National Bank, claim this listing to keep its information up to date.

You can reach Capitol National Bank by phone at (517) 484-5080, by email at ebank@capitolnational.com, or online at capitolnational.com — confirm all contact details directly with the bank.

Based on its approved SBA loans, Capitol National Bank most often finances businesses in restaurants & food service, cleaning, landscaping & janitorial, manufacturing, construction & contractors, general retail, and automotive repair & services. This reflects Capitol 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 Capitol 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 Capitol National Bank participates in SBA Express depends on its specific SBA lending authority. Contact Capitol 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. Capitol 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. Capitol National Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Capitol 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 Capitol 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 Capitol 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 Capitol 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. Capitol National Bank weighs this case by case under its own policy, so be upfront about your history and ask Capitol National Bank how it evaluates prior bankruptcies.