SouthStar Bank, S.S.B.
SouthStar Bank, S.S.B. is an active SBA lender in Texas, a bank offering SBA-guaranteed small-business loans. Currently rated 4.6 stars across 19 Google reviews.
$96M
in SBA approvals since 2010
123
SBA loans funded
Childcare & Early Education · Wholesale & Distribution · Fitness & Recreation
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About SouthStar Bank, S.S.B.
SouthStar Bank offers comprehensive SBA lending services, specializing in supporting small businesses with financing solutions tailored to their growth needs. Whether you're seeking funding for expansion, equipment, or working capital, this bank provides accessible loan programs designed to help entrepreneurs succeed. With a focus on personalized service, they assist clients throughout the application process, ensuring clarity and support at every step. Their expertise includes SBA 7(a) loans, which are ideal for a variety of business purposes, and they have a history of approving substantial amounts, up to $658,800 for qualifying borrowers. Located in Moulton, TX, they serve local and regional clients, emphasizing community development and small business growth. Their team is committed to guiding entrepreneurs through the complexities of SBA financing, making it easier to access capital needed for business success.
Industries SouthStar Bank, S.S.B. finances
Business types SouthStar Bank, S.S.B. actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about SouthStar Bank, S.S.B.
What is this place and what can I find here?
This is a local SBA lender offering small business loans, including SBA 7(a) programs, to help entrepreneurs access capital for growth and development. You can find guidance on loan options, application processes, and personalized support tailored to your business needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may be available during business hours. Contact the branch in advance to confirm availability.
What are the hours of operation?
The branch operates Monday through Friday from 9:00 AM to 5:00 PM. It's best to call ahead for specific appointment times or after-hours assistance.
Is there a fee to use this?
There are no fees for initial consultations; however, loan processing and closing fees may apply depending on the loan terms. These are standard in SBA lending processes.
Who is this open to — anyone, or only residents/members?
This lender primarily serves small businesses in the Moulton area and surrounding regions, focusing on local entrepreneurs and community development.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is generally preferred, though higher scores improve approval chances.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the completeness of your application and supporting documents.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and SouthStar Bank, S.S.B. 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 SouthStar Bank, S.S.B. to confirm current weekend availability before you go.
How do I get there and where do I park?
SouthStar Bank, S.S.B. 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.
Who owns or operates this listing?
This page is an independent directory listing for SouthStar Bank, S.S.B., an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by SouthStar Bank, S.S.B. itself, which runs its own lending under its own ownership. If you work at SouthStar Bank, S.S.B., you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for SouthStar Bank, S.S.B. — 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 SouthStar Bank, S.S.B. before applying. If you represent SouthStar Bank, S.S.B., claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach SouthStar Bank, S.S.B. by phone at (361) 596-4611 or online at southstarbank.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 SouthStar Bank, S.S.B. before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, SouthStar Bank, S.S.B. most often finances businesses in fitness & recreation, manufacturing, wholesale & distribution, construction & contractors, general retail, and real estate & property management. This reflects SouthStar Bank, S.S.B.'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 SouthStar Bank, S.S.B. which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether SouthStar Bank, S.S.B. participates in SBA Express depends on its specific SBA lending authority. Contact SouthStar Bank, S.S.B. and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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. SouthStar Bank, S.S.B. can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
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. SouthStar Bank, S.S.B.'s appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask SouthStar Bank, S.S.B. directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 SouthStar Bank, S.S.B. what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 SouthStar Bank, S.S.B. to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 SouthStar Bank, S.S.B. to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. SouthStar Bank, S.S.B. weighs this case by case under its own policy, so be upfront about your history and ask SouthStar Bank, S.S.B. how it evaluates prior bankruptcies.
