NewFirst National Bank

This is a trusted SBA lender offering small business loans, including the SBA 7(a) program, to help entrepreneurs secure funding for growth and operations. They provide personalized guidance and support throughout the loan process, making it easier for small businesses to access the capital they need.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability. Calling ahead can help you prepare and streamline your visit.

NewFirst National Bank operates with varying hours by location. El Campo (main branch) lobby hours are 10:00 AM to 3:00 PM Monday through Friday, while the motor bank is 8:00 AM to 5:00 PM. Other branches have different lobby and motor bank hours — please confirm specific hours for your nearest location.

There are no fees for consulting or initial inquiries. However, standard loan application and closing costs may apply if you proceed with a loan.

This lender primarily serves small business owners in the El Campo area and surrounding regions, but eligibility depends on meeting specific credit and business criteria.

A minimum personal credit score of 640 is generally preferred, though higher scores can improve loan approval chances.

The underwriting process typically takes between 30 to 45 days, depending on the completeness of your application and supporting documents.

Most banks keep weekday business hours and are closed on weekends, and NewFirst National Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call NewFirst National Bank to confirm current weekend availability before you go.

NewFirst National Bank is located in Texas — 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.

This page is an independent directory listing for NewFirst National Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by NewFirst National Bank itself, which runs its own lending under its own ownership. If you work at NewFirst National Bank, you can claim this listing from this page to manage it.

The core details for NewFirst National Bank — 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 NewFirst National Bank before applying. If you represent NewFirst National Bank, claim this listing to keep its information up to date.

You can reach NewFirst National Bank by phone at (979) 543-3349 or online at newfirst.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with NewFirst National Bank before relying on them.

Based on its approved SBA loans, NewFirst National Bank most often finances businesses in childcare & early education. This reflects NewFirst National Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with NewFirst National Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether NewFirst National Bank participates in SBA Express depends on its specific SBA lending authority. Contact NewFirst National Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

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. NewFirst National Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

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. NewFirst National Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask NewFirst National Bank directly whether it considers start-up loans.

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 NewFirst National Bank what down payment it expects for your specific commercial real estate purchase.

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 NewFirst National Bank to spell out any prepayment penalties before you sign.

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 NewFirst National Bank to confirm it qualifies and how to document it.

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. NewFirst National Bank weighs this case by case under its own policy, so be upfront about your history and ask NewFirst National Bank how it evaluates prior bankruptcies.