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Citizens National Bank of Texas

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Description

Citizens National Bank of Texas offers comprehensive SBA lending solutions designed to support small and medium-sized businesses in their growth and development. With a focus on the 7A loan program, they provide flexible financing options for various business needs, including working capital, equipment purchases, and real estate acquisitions. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. Located in Waxahachie, TX, the bank is committed to serving local businesses while also supporting broader regional economic development. They understand the unique challenges faced by entrepreneurs and offer tailored financial products to meet those needs. Whether you’re a startup or an established company looking to expand, Citizens National Bank of Texas is equipped to help you achieve your business goals with personalized service and competitive terms.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.1
Google Review Count
59
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA loan programs and business financing solutions. You can find assistance with small business loans, guidance through the application process, and personalized financial services tailored to your needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is 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 streamline your visit and prepare necessary documentation.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 8:30 AM to 5:00 PM. Special hours may apply for holidays, so it"s best to contact the branch directly for confirmation.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for simply visiting or consulting with staff. However, loan processing and application fees may apply depending on the financing options selected.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and businesses within the Texas region, but they welcome inquiries from anyone interested in their SBA loan programs and financial services.
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, but the final decision depends on the overall strength of the application and business financials.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and the complexity of the loan request.
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