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Texas First Bank

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Description

Texas First Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on providing flexible financing options, the bank specializes in SBA 7(a) loans, helping entrepreneurs access capital with competitive terms and personalized service. Located in Texas City, the bank serves a broad range of industries, including manufacturing, retail, and services, ensuring businesses can leverage SBA programs effectively to meet their funding goals. Their experienced lending team guides clients through the application process, offering expert advice on loan structuring, eligibility, and repayment options. Whether you’re starting a new venture or expanding an existing business, Texas First Bank’s SBA loan offerings are designed to support your success with quick approvals and dedicated support. The bank’s commitment to community growth and small business development makes it a trusted partner for entrepreneurs across the region, providing the financial tools necessary to thrive in competitive markets.

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Q&A

Lender Type
Commercial Bank
Google Rating
4
Google Review Count
35
Question 1
What is this place and what can I find here?
Answer 1
This is a commercial bank offering SBA loan programs to support small and medium-sized businesses with financing solutions tailored to their needs. You can find assistance with loan applications, guidance on eligibility, and access to various SBA-backed funding options designed to help your business 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 time with a lending specialist, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM. It"s advisable to contact the branch directly for specific hours or to schedule an appointment outside regular hours if needed.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access basic consultation services, but loan processing and origination fees may apply depending on the loan type and amount. It"s best to discuss fee details directly with a loan officer.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and businesses within its regional service area, but SBA loan programs are available to qualified small businesses nationwide, regardless of residency.
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, though higher scores may improve approval chances and loan terms.
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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