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Plains State Bank

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Description

Plains State Bank offers comprehensive SBA lending services tailored to meet the needs of small businesses seeking financing solutions. With a focus on supporting local entrepreneurs, the bank provides various loan programs including the SBA 7(a) and 504 options, designed to help businesses expand, purchase equipment, or manage cash flow. Their experienced team guides clients through the application process, ensuring clarity and efficiency. Whether you’re starting a new venture or growing an existing business, Plains State Bank aims to deliver personalized financial support to help you achieve your goals. The bank’s commitment to community development and small business success makes it a trusted partner for entrepreneurs in the Humble, TX area and beyond. Their loan offerings are flexible, competitive, and backed by a deep understanding of local market needs, making them a reliable choice for small business financing.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.2
Google Review Count
25
Question 1
What is this place and what can I find here?
Answer 1
This is Plains State Bank, a community-focused financial institution offering SBA loan programs and small business financing solutions to help entrepreneurs grow and succeed.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated service, 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, with appointments available outside regular hours upon request.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for initial consultations; however, loan processing and closing fees may apply depending on the financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and entrepreneurs within the community, though some services may be available to non-residents with qualifying criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 620 is generally required for guarantors applying for SBA loans.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 45 days, depending on the complexity of the loan and completeness of application materials.
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