CS Bank

This is a local bank offering SBA loan programs and financial services tailored for small businesses in Eureka Springs, AR. You can find assistance with business financing, including SBA 7(a) loans, and personalized support for your business growth needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in visits are also accepted depending on availability.

CS Bank's Eureka Springs location has lobby hours Monday-Friday from 8:00 AM to 5:00 PM and drive-thru hours Monday-Friday 7:30 AM to 6:00 PM and Saturday 8:00 AM to 12:00 PM. Please confirm current hours with CS Bank.

There are no fees for initial consultations; however, loan processing and closing fees may apply depending on the loan type and amount.

This bank primarily serves residents and small businesses within the Eureka Springs area, but some services may be available to out-of-town applicants with qualifying criteria.

A minimum personal credit score of 640 is generally preferred, though higher scores can improve the likelihood of approval.

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

CS Bank's Eureka Springs location is open Saturdays from 8:00 AM to 12:00 PM for drive-thru only. Please confirm weekend hours with CS Bank.

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

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

You can reach CS Bank by phone at (479) 253-2265 or online at cs.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 CS Bank before relying on them.

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