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Henderson State Bank

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Description

Henderson State Bank offers a range of SBA lending options tailored to support small businesses in securing the funding they need to grow and succeed. With a focus on small business loans, the bank provides expertise in SBA 7(a) loans, helping entrepreneurs access capital for various purposes such as working capital, equipment purchase, or expansion. The bank’s experienced team guides clients through the application process, ensuring a smooth and efficient experience. Their services are designed to meet the needs of diverse industries, with particular strength in the hospitality sector, as indicated by their NAICS code 722515. Whether you’re a startup or an established business, Henderson State Bank is committed to providing personalized financial solutions to help you achieve your goals.

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Q&A

Lender Type
Commercial Bank
Google Rating
4
Google Review Count
4
Question 1
What is this place and what can I find here?
Answer 1
This is a commercial bank that provides SBA small business loans, including 7(a) financing options, to help entrepreneurs and business owners secure funding for growth and operations.
Question 2
Do I need an appointment or can I walk in?
Answer 2
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.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, but hours may vary, so it"s best to call ahead.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit the bank; however, loan application and processing fees may apply depending on the financing options chosen.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and entrepreneurs, with services available to clients nationwide who meet lending 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 preferred, 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 30 to 60 days, depending on the complexity of the loan and completeness of the application.
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