TexasBank

This is a commercial bank offering SBA lending services, including SBA 7(a) loans, to support small business growth and development. You can find information about loan options, application processes, and industry-specific financing solutions tailored to your needs.

It's recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are also welcome during business hours. Calling ahead can help you prepare and meet with the right specialist for your needs.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It's best to call ahead for specific appointment times or to confirm hours on holidays.

There are fees associated with loan processing and closing, which vary depending on the loan size and terms. These fees are disclosed upfront during the application process.

This bank primarily serves small business owners and entrepreneurs in Texas, with a focus on local businesses and residents. Non-residents may need to meet specific criteria to qualify.

A minimum personal credit score of 650 is generally preferred, though higher scores improve the likelihood of approval.

The underwriting process typically takes 2 to 4 weeks, depending on the complexity of the application and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and TexasBank 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 TexasBank to confirm current weekend availability before you go.

TexasBank 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.

This page is an independent directory listing for TexasBank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by TexasBank itself, which runs its own lending under its own ownership. If you work at TexasBank, you can claim this listing from this page to manage it.

The core details for TexasBank — 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 TexasBank before applying. If you represent TexasBank, claim this listing to keep its information up to date.

You can reach TexasBank by phone at (833) 987-2265, via their contact form at https://www.texasbank.com/contact-us, or on their 24-hour banking line at 1.877.866.9028. For SBA loans specifically, confirm with TexasBank.

Based on its approved SBA loans, TexasBank most often finances businesses in construction & contractors, restaurants & food service, general retail, wholesale & distribution, hotels & lodging, and manufacturing. This reflects TexasBank'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 TexasBank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether TexasBank participates in SBA Express depends on its specific SBA lending authority. Contact TexasBank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

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. TexasBank can confirm its current PLP standing — ask before you apply if speed matters to you.

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. TexasBank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask TexasBank directly whether it considers start-up loans.

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 TexasBank what down payment it expects for your specific commercial real estate purchase.

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 TexasBank to spell out any prepayment penalties before you sign.

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 TexasBank to confirm it qualifies and how to document it.

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. TexasBank weighs this case by case under its own policy, so be upfront about your history and ask TexasBank how it evaluates prior bankruptcies.