KS Bank, Inc.
KS Bank, Inc. is an active SBA lender in North Carolina, a bank offering SBA-guaranteed small-business loans. Currently rated 4.3 stars across 11 Google reviews.
$14M
in SBA approvals since 2012
20
SBA loans funded
Childcare & Early Education · Hotels & Lodging · Gas Stations & Convenience
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About KS Bank, Inc.
Offering comprehensive SBA lending options, this financial institution specializes in supporting small businesses with various loan programs tailored to different growth stages. Whether you need funding for expansion, equipment, or working capital, they provide personalized solutions to meet your business needs. With a focus on the SBA 7(a) program, they have a proven track record of approving sizable loans, including amounts up to $613,800, to help entrepreneurs succeed. Their experienced team guides clients through the application process, ensuring clarity and efficiency. Located in Smithfield, North Carolina, they serve local businesses while also supporting clients across the region. Their commitment to small business growth is reflected in their flexible lending criteria and dedicated customer service, making them a reliable partner for your business financing needs.
Common questions about KS Bank, Inc.
What is this place and what can I find here?
This is a bank that offers SBA loans and small business financing solutions. You can find information about loan programs, application processes, and personalized support for your business needs.
Do I need an appointment or can I walk in?
You can walk in during business hours or schedule an appointment for a more personalized consultation with their lending team.
What are the hours of operation?
KS Bank, Inc. operates Monday through Friday from 9:00 AM to 5:00 PM with after-hours support available. Confirm your local branch hours with the bank.
Is there a fee to use this?
There are no fees to visit the branch; however, loan application and processing fees may apply depending on the loan type.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and small business owners in North Carolina, but they also support regional clients seeking SBA financing.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 is typically required, though other factors such as business financials are also considered.
How long does the traditional underwriting process take from start to close?
The underwriting process usually takes between 2 to 4 weeks, depending on the completeness of your application and documentation.
Is this open on weekends?
KS Bank, Inc. offers Saturday-Sunday service from 9:00 AM to 5:00 PM as after-hours support. Confirm weekend availability with your local branch.
How do I get there and where do I park?
KS Bank, Inc. is located in North Carolina — 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.
Who owns or operates this listing?
This page is an independent directory listing for KS Bank, Inc., an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by KS Bank, Inc. itself, which runs its own lending under its own ownership. If you work at KS Bank, Inc., you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for KS Bank, Inc. — 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 KS Bank, Inc. before applying. If you represent KS Bank, Inc., claim this listing to keep its information up to date.
How do I contact this listing directly?
Contact KS Bank, Inc. at (919) 938-3119 or use their contact form at ksbankinc.com/connect/contact-us. Confirm their SBA lending services directly with the bank.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, KS Bank, Inc. can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask KS Bank, Inc. directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether KS Bank, Inc. participates in SBA Express depends on its specific SBA lending authority. Contact KS Bank, Inc. and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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. KS Bank, Inc. can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
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. KS Bank, Inc.'s appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask KS Bank, Inc. directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 KS Bank, Inc. what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 KS Bank, Inc. to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 KS Bank, Inc. to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. KS Bank, Inc. weighs this case by case under its own policy, so be upfront about your history and ask KS Bank, Inc. how it evaluates prior bankruptcies.
