Go Back

Schertz Bank & Trust

Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses with various loan programs, including the popular 7(a) loan. With a focus on small business growth and development, they provide tailored financing options to meet diverse needs such as working capital, equipment purchase, or real estate acquisition. Their experienced team guides clients through the application process, ensuring clarity and efficiency. The bank’s commitment to small business success is reflected in their flexible lending criteria and personalized service. They serve a broad range of industries, with particular strength in sectors like manufacturing, retail, and services. Whether you’re a startup or an established business looking to expand, this bank offers the financial tools necessary to achieve your goals. Located in Schertz, Texas, they are well-positioned to assist local businesses while also supporting clients across the region.

Review

There are no reviews yet.

Lender Type

Commercial Bank

Google Rating

3.8

Google Review Count

Question 1

What is this place and what can I find here?

Answer 1

This is a bank that offers SBA loan programs designed to help small businesses grow and succeed. You can find personalized financing options, expert guidance, and support for various business needs such as expansion, equipment, or real estate.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It is recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome depending on availability. Calling ahead can help you prepare and streamline your visit.

Question 3

What are the hours of operation?

Answer 3

The branch typically operates during standard banking hours, from 9 AM to 5 PM, Monday through Friday. It"s best to contact the branch directly for specific hours or to schedule an appointment outside regular hours.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for simply visiting the bank, but loan applications and services may involve fees such as guarantee fees, closing costs, or interest charges, which will be disclosed upfront.

Question 5

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

Answer 5

This bank primarily serves small business clients, with a focus on local and regional businesses in Texas, but they also support clients across the country through SBA programs.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

A minimum personal credit score of around 640 is generally preferred, though the exact requirement can vary based on the specific loan and borrower profile.

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 complexity of the loan and completeness of the application.

Schertz Bank & Trust

Description

Location

Review

Q&A