Flushing Bank

This is a financial institution offering SBA loan programs designed to help small businesses access funding for growth, expansion, and operational needs, with expert support and tailored solutions.

It's recommended to schedule an appointment to meet with a loan officer, but walk-in consultations may be available depending on the branch's hours and staffing.

The Long Island RXR Plaza branch is open Monday-Wednesday and Friday from 8:30 a.m. to 4:30 p.m., and Thursday from 8:30 a.m. to 6:00 p.m. Contact Flushing Bank directly to confirm these hours or for any changes.

There are no fees to access basic consultation services, but loan processing and application fees may apply depending on the loan type and amount.

This institution primarily serves local residents and businesses within its regional area, but eligibility for SBA loans extends to qualified small businesses nationwide.

A minimum personal credit score of around 640 is generally required, though stronger scores improve approval chances.

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

The Long Island RXR Plaza branch is closed on weekends. Flushing Bank does not operate on Saturday or Sunday at this location.

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

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

You can reach Flushing Bank by phone at (516) 327-0028 or online at flushingbank.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 Flushing Bank before relying on them.

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