First National Bank Texas

This is a bank that provides SBA loan services, helping small businesses access financing for growth, working capital, and expansion. You can find personalized support and a variety of loan options tailored to your business needs.

It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours. Calling ahead can help you prepare for your visit.

The bank's hours are typically Monday through Friday from 9:00 AM to 5:00 PM, but it's best to confirm by contacting the branch directly.

There are no fees to visit the bank; however, loan application and processing fees may apply depending on the services used.

This bank primarily serves local residents and businesses in the Killeen area, but they also support regional clients seeking SBA financing.

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

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

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

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

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

You can reach First National Bank Texas by phone at (800) 677-9801 or online at 1stnb.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 First National Bank Texas before relying on them.

Based on its approved SBA loans, First National Bank Texas most often finances businesses in construction & contractors, automotive repair & services, cleaning, landscaping & janitorial, medical practices & clinics, manufacturing, and restaurants & food service. This reflects First National Bank Texas'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 First National Bank Texas 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 First National Bank Texas participates in SBA Express depends on its specific SBA lending authority. Contact First National Bank Texas 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. First National Bank Texas 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. First National Bank Texas's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First National Bank Texas 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 First National Bank Texas 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 First National Bank Texas 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 First National Bank Texas 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. First National Bank Texas weighs this case by case under its own policy, so be upfront about your history and ask First National Bank Texas how it evaluates prior bankruptcies.