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Harmony Bank

Harmony Bank offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on the 7(a) loan program, the bank provides flexible financing options that can be used for working capital, equipment purchase, real estate acquisition, and more. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. The bank’s expertise in SBA loans helps businesses access funding with favorable terms and competitive rates, making it a trusted partner for entrepreneurs across Texas. Located in Dallas, they serve a diverse range of industries, emphasizing personalized service and tailored financial solutions to meet each client’s unique needs.

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Lender Type

Commercial Bank

Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loan programs and business financing solutions designed to support small and medium-sized enterprises in Texas. You can find expert guidance on loan options, application processes, and tailored financial services to help your business grow.

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 specialist, but walk-ins may be accommodated depending on availability. Contact the branch in advance for the best experience.

Question 3

What are the hours of operation?

Answer 3

Typically, the branch operates from 9:00 AM to 5:00 PM, Monday through Friday. It is advisable to call ahead to confirm hours or schedule an appointment.

Question 4

Is there a fee to use this?

Answer 4

There are no fees to access basic information or initial consultations. Loan-specific fees and interest rates apply during the application and approval process.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This lender primarily serves small business owners and entrepreneurs in Texas, with a focus on local businesses seeking SBA financing. Eligibility depends on meeting specific loan criteria.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

A minimum personal credit score of 620 is generally required to qualify for SBA loans through this lender.

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.

Harmony Bank

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