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Ozona Bank

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Description

Ozona Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on the local community, the bank provides flexible loan options under the SBA 7(a) program, which is ideal for a variety of business purposes including working capital, equipment purchase, and real estate acquisition. Their experienced lending team works closely with clients to understand their unique needs and guide them through the application process, ensuring a smooth experience from start to finish. The bank supports loans up to $420,100, making it a reliable partner for small to medium-sized enterprises looking for accessible funding solutions. Located in Ozona, TX, the bank emphasizes personalized service and local economic development, fostering strong relationships with business owners in the region.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.2
Google Review Count
6
Question 1
What is this place and what can I find here?
Answer 1
This is a bank offering SBA loan programs and business financing solutions designed to support small businesses in the Ozona area. You can find information about loan options, application processes, and personalized financial services tailored to your business needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to meet with a lending specialist, but walk-in consultations may also be available during business hours. Calling ahead ensures dedicated time with a loan officer.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 8:30 AM to 5:00 PM, with additional hours by appointment. It"s best to contact the branch directly for specific scheduling details.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for initial inquiries; however, loan processing and closing may involve applicable fees such as application fees and guarantee fees depending on the loan terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small business owners within the Ozona region, but business entities from outside the area may also qualify if they 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 640 is generally preferred, but the final decision depends on the overall financial profile and collateral available.
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 completeness of the application and the complexity of the loan request.
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