Ciera Bank

This is a community-focused bank offering SBA loan programs and personalized banking services to support small businesses in the Graham, TX area. You can find assistance with financing, business growth strategies, and community development initiatives.

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 from 9:00 AM to 5:00 PM, Monday through Friday. It’s best to call ahead to confirm hours or schedule an appointment.

There are no fees for basic banking inquiries or consultations, but loan processing and application fees may apply depending on the service.

This bank primarily serves residents and small businesses within the Graham, TX area, but they also support local entrepreneurs seeking SBA financing.

A minimum personal credit score of around 640 is generally preferred, though other factors may also influence approval.

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

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

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

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

You can reach Ciera Bank by phone at (940) 549-2040 or online at cierabank.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 Ciera Bank before relying on them.

Like most SBA lenders, Ciera Bank 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 Ciera Bank 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 Ciera Bank participates in SBA Express depends on its specific SBA lending authority. Contact Ciera 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. Ciera 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. Ciera Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Ciera 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 Ciera 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 Ciera 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 Ciera 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. Ciera Bank weighs this case by case under its own policy, so be upfront about your history and ask Ciera Bank how it evaluates prior bankruptcies.