First Northern Bank of Wyoming

This is a local bank offering SBA loan programs and business financing solutions tailored for small and medium-sized businesses in Wyoming, providing personalized support and expert guidance throughout the application process.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available during business hours.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment as needed.

There are no fees to visit or consult; however, loan processing and application fees may apply depending on the services utilized.

This bank primarily serves local residents and businesses within Wyoming, focusing on supporting the regional economy.

A minimum personal credit score of around 640 is typically required, though higher scores improve approval chances.

The underwriting process generally takes between 30 to 45 days, depending on the complexity of the application and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and First Northern Bank of Wyoming 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 First Northern Bank of Wyoming to confirm current weekend availability before you go.

First Northern Bank of Wyoming is located in Wyoming — 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 First Northern Bank of Wyoming, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by First Northern Bank of Wyoming itself, which runs its own lending under its own ownership. If you work at First Northern Bank of Wyoming, you can claim this listing from this page to manage it.

The core details for First Northern Bank of Wyoming — 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 First Northern Bank of Wyoming before applying. If you represent First Northern Bank of Wyoming, claim this listing to keep its information up to date.

You can reach First Northern Bank of Wyoming by phone at (307) 684-2211 or online at firstnorthern.bank — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with First Northern Bank of Wyoming before relying on them.

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