Dream First Bank National Association
Dream First Bank National Association is an active SBA lender in Kansas, a bank offering SBA-guaranteed small-business loans. Currently rated 4.0 stars across 14 Google reviews.
$70M
in SBA approvals since 2010
119
SBA loans funded
Restaurants & Food Service · Construction & Contractors · Transportation & Trucking
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Dream First Bank National Association
Dream First Bank National Association offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on small business financing, the bank provides a variety of loan programs including the SBA 7(a) loan program, which is ideal for working capital, equipment purchases, and real estate acquisitions. The bank's experienced lending team works closely with clients to understand their unique needs and craft customized financing solutions that align with their business goals. Located in Syracuse, Kansas, the bank is committed to supporting local entrepreneurs and businesses across the region, leveraging its strong community ties and financial expertise to facilitate successful loan approvals. Whether you are a startup or an established business, Dream First Bank is dedicated to helping you access the capital necessary to thrive in competitive markets. Their knowledgeable staff can guide you through the application process, ensuring clarity and efficiency from initial inquiry to loan closing. The bank's extensive experience with SBA programs makes them a reliable partner for small business owners looking to grow their operations with confidence.
Serves SBA borrowers in 3 states
Dream First Bank National Association has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Dream First Bank National Association finances
Business types Dream First Bank National Association actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Dream First Bank National Association
What is this place and what can I find here?
This is a bank offering SBA loan programs and financial services tailored to small and medium-sized businesses. You can find assistance with loan applications, financing options, and guidance on SBA programs to support your business growth.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-ins are also welcome during business hours. Calling ahead can help you prepare for your visit and expedite the process.
What are the hours of operation?
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It is advisable to confirm hours before visiting, as they may vary on holidays or special occasions.
Is there a fee to use this?
There are fees associated with loan applications and processing, including origination and closing costs. These fees are transparent and discussed upfront during the application process.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local business owners and residents in the Syracuse area, but they also support regional clients seeking SBA financing solutions.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required for SBA loan guarantors, though higher scores may improve approval chances.
How long does the traditional underwriting process take from start to close?
The typical underwriting process takes approximately 30 to 45 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Dream First Bank National Association 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 Dream First Bank National Association to confirm current weekend availability before you go.
How do I get there and where do I park?
Dream First Bank National Association is located in Kansas — 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.
Who owns or operates this listing?
This page is an independent directory listing for Dream First Bank National Association, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Dream First Bank National Association itself, which runs its own lending under its own ownership. If you work at Dream First Bank National Association, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Dream First 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 Dream First Bank National Association before applying. If you represent Dream First Bank National Association, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Dream First Bank National Association by phone at (620) 384-7441 or through their online contact form at dreamfirst.bank/resources/contact. Please confirm current contact details with the lender.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Dream First Bank National Association most often finances businesses in transportation & trucking, restaurants & food service, general retail, construction & contractors, automotive repair & services, and gas stations & convenience. This reflects Dream First 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 Dream First Bank National Association which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Dream First Bank National Association participates in SBA Express depends on its specific SBA lending authority. Contact Dream First Bank National Association and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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. Dream First Bank National Association can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
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. Dream First Bank National Association's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Dream First Bank National Association directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 Dream First Bank National Association what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 Dream First Bank National Association to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 Dream First Bank National Association to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. Dream First Bank National Association weighs this case by case under its own policy, so be upfront about your history and ask Dream First Bank National Association how it evaluates prior bankruptcies.
