Bank of Star Valley

This is a community-focused bank offering SBA loans and small business banking services designed to help local entrepreneurs grow and succeed.

It is recommended to schedule an appointment, but walk-ins are welcome during regular business hours for basic inquiries.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM.

There are no fees for basic banking inquiries; loan application fees may apply depending on the loan type.

This bank primarily serves residents and small business owners in the Afton area and surrounding communities.

A minimum personal credit score of 640 or higher is generally required for loan consideration.

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

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

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

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

You can reach Bank of Star Valley by phone at (307) 885-0000 or online at bosv.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 Bank of Star Valley before relying on them.

Like most SBA lenders, Bank of Star Valley can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Bank of Star Valley directly which industries 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 Bank of Star Valley participates in SBA Express depends on its specific SBA lending authority. Contact Bank of Star Valley 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. Bank of Star Valley 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. Bank of Star Valley's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bank of Star Valley 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 Bank of Star Valley 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 Bank of Star Valley 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 Bank of Star Valley 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. Bank of Star Valley weighs this case by case under its own policy, so be upfront about your history and ask Bank of Star Valley how it evaluates prior bankruptcies.