ValueBank Texas

This is a commercial bank that provides SBA loan services, including 7A loans, to small businesses in the Corpus Christi area. You can find information about loan options, application processes, and financial support tailored to entrepreneurs and business owners.

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 for your visit and get faster service.

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It's advisable to confirm hours directly with the branch or schedule an appointment beforehand.

There are fees associated with SBA loans, including guaranty and closing costs, which vary depending on the loan specifics. These fees are standard and disclosed during the application process.

This bank primarily serves small business owners within the Texas region, especially those in the Corpus Christi area. Eligibility is based on business criteria and loan qualifications.

A minimum personal credit score of around 640 is generally preferred, but other factors such as business performance and collateral are also considered.

The underwriting process typically takes between 30 to 60 days, depending on the completeness of your application and the complexity of your funding needs.

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

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

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

You can reach ValueBank Texas by phone at (361) 851-9390 or online at valuebanktexas.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 ValueBank Texas before relying on them.

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