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Security State Bank and Trust

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Description

Security State Bank and Trust offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, acquisition, or working capital. With a focus on personalized service, the bank provides expertise in SBA 7(a) loans, helping entrepreneurs access funding with flexible terms and competitive rates. Located in Fredericksburg, TX, the bank has a strong local presence and a history of supporting small business development in the region. Their team assists clients through every step of the loan process, ensuring clarity and efficiency. The bank’s SBA program offerings include support for various industries, with particular strength in service and hospitality sectors. Whether you’re a startup or an established business, they aim to provide solutions that meet your unique needs, fostering economic growth within the community and beyond.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.6
Google Review Count
28
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank offering SBA lending services to small businesses, including 7(a) loans, with personalized support throughout the application process. You can find assistance with financing for growth, equipment, or working capital 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 ensure dedicated time with a lending specialist, but walk-ins are also welcome during business hours for initial inquiries.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment upon request.
Question 4
Is there a fee to use this?
Answer 4
There are fees associated with loan processing and closing, which are disclosed upfront; there is no fee simply to access their services or inquire about loans.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and small business owners in the Fredericksburg area, but they also work with out-of-town clients on a case-by-case basis.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 650 is generally preferred, though stronger scores can improve approval chances.
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 application and completeness of documentation.
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