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Golden Bank National Association

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Description

Golden Bank National Association offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financing options. With a focus on supporting business growth, the bank provides various loan programs including the popular SBA 7(a) and 504 loans, which are designed to help with working capital, equipment purchases, and real estate acquisitions. Their experienced lending team works closely with clients to customize solutions that meet their unique needs, ensuring a smooth application process and timely approvals. Located in Houston, Texas, the bank is committed to fostering local economic development and providing accessible financial services to entrepreneurs and business owners in the region.

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Q&A

Lender Type
Commercial Bank
Google Rating
4
Google Review Count
16
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA-backed loan programs designed to help small businesses grow and succeed. You can find information about loan options, application processes, and personalized support for your business financing 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 lending specialist, but walk-in consultations may also be available during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It is advisable to confirm hours before visiting or scheduling an appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access basic information, but loan applications and processing involve standard fees such as origination and closing costs, which vary by loan type.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This lender primarily serves small and medium-sized businesses within the Houston region, though eligibility depends on meeting specific credit and business criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is generally required, but higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
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