Academy Bank National Association

This is a financial institution offering SBA loan programs and small business financing solutions. You can find support for business expansion, equipment purchases, and working capital needs, along with expert guidance throughout the loan process.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability.

Academy Bank's Crossroads branch operates 9:00 AM to 5:00 PM Monday through Thursday, and is closed Friday through Sunday. Please confirm these hours directly with the branch at (816) 702-4324.

There are application and closing fees associated with SBA loans, but these are clearly outlined during the application process.

This lender primarily serves small business owners and entrepreneurs, with services available to eligible applicants nationwide.

A minimum personal credit score of around 650 is generally preferred for SBA loan qualification.

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

Academy Bank's Crossroads branch is not open on weekends—it is closed Friday through Sunday, though the 24/7 ATM remains available. Contact the branch at (816) 702-4324 to confirm.

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

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

You can reach Academy Bank National Association by phone at (816) 702-4324 or online at academybank.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 Academy Bank National Association before relying on them.

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