Third Coast Bank

This is a bank that offers SBA loans and small business financing options designed to help entrepreneurs grow and succeed. You can find personalized support, competitive rates, and various loan programs tailored to your business needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment.

There are fees associated with loan processing and service charges, which are transparently disclosed during the application process.

This bank primarily serves local residents and business owners within the region, but they also support regional clients seeking SBA financing.

A minimum personal credit score of 620 is generally required to qualify for SBA loans.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the loan and completeness of documentation.

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

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

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

You can reach Third Coast Bank by phone at (833) 844-7708 or online at thirdcoast.bank — 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 Third Coast Bank before relying on them.

Based on its approved SBA loans, Third Coast Bank most often finances businesses in restaurants & food service, medical practices & clinics, construction & contractors, automotive repair & services, general retail, and manufacturing. This reflects Third Coast Bank'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 Third Coast Bank 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 Third Coast Bank participates in SBA Express depends on its specific SBA lending authority. Contact Third Coast Bank 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. Third Coast Bank 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. Third Coast Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Third Coast Bank 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 Third Coast Bank 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 Third Coast Bank 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 Third Coast Bank 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. Third Coast Bank weighs this case by case under its own policy, so be upfront about your history and ask Third Coast Bank how it evaluates prior bankruptcies.