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Horizon Financial Bank

Horizon Financial Bank offers comprehensive SBA lending options tailored to meet the needs of small businesses seeking financing solutions. With a focus on supporting local entrepreneurs, this bank provides expertise in SBA loan programs, including the popular 7(a) loan program, to help businesses secure funding for growth, operations, and expansion. The bank’s experienced lending team guides clients through the application process, ensuring clarity and support at every step. Whether you’re looking for working capital, equipment financing, or real estate loans, Horizon Financial Bank is committed to delivering personalized service and competitive terms. The bank’s strong community presence and dedication to small business success make it a reliable partner for local business owners. They also offer flexible loan terms and quick turnaround times to help clients meet their financial goals efficiently. With a focus on building long-term relationships, Horizon Financial Bank strives to be a trusted resource for small business financing needs, fostering economic growth in the region.

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Commercial Bank

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Question 1

What is this place and what can I find here?

Answer 1

This is a bank that offers SBA loan programs and small business financing solutions. You can find expert guidance and personalized support for securing funding to grow your business.

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 lending specialist, but walk-ins may be accommodated depending on availability.

Question 3

What are the hours of operation?

Answer 3

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. Appointments outside regular hours may be available upon request.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for initial consultations; however, loan processing fees and interest rates apply based on the specific loan terms.

Question 5

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

Answer 5

This bank primarily serves small businesses in the region, with lending eligibility based on creditworthiness and business qualification criteria.

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 required, though 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 2 to 4 weeks, depending on the completeness of application materials and loan complexity.

Horizon Financial Bank

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