Frost Bank

This is a bank offering SBA loan programs designed to help small businesses grow and succeed. You can find information about financing options, application processes, and personalized support for your business needs.

It's recommended to schedule an appointment to meet with a lending specialist, but walk-in consultations may be available during business hours depending on branch capacity.

Typically, the branch operates Monday through Friday from 9:00 AM to 5:00 PM, but hours may vary, so it's best to check with the branch directly.

There are no fees for accessing basic banking services, but loan applications and processing may involve standard SBA and bank-specific fees.

This service is primarily available to small business owners in the region who meet lending criteria, including creditworthiness and business history.

A minimum personal credit score of 620 is generally required, though higher scores improve approval chances.

The underwriting process typically takes 2 to 4 weeks, depending on the complexity of the application and completeness of documentation.

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

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

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

You can reach Frost Bank by phone at (800) 513-7678 or online at locations.frostbank.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 Frost Bank before relying on them.

Based on its approved SBA loans, Frost Bank most often finances businesses in restaurants & food service, medical practices & clinics, general retail, construction & contractors, manufacturing, and fitness & recreation. This reflects Frost 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 Frost Bank which sectors it actively lends to before you apply.

Yes, Frost Bank offers SBA Express loans up to $500,000 with an accelerated application process and longer maturity terms. Contact Frost Bank at (800) 513-7678 to confirm availability at this specific branch.

Yes, Frost Bank holds Preferred Lender Program (PLP) status with the SBA, which allows them to process, close, and service SBA-guaranteed loans in-house. This PLP authority expedites your loan approval process. Please confirm current PLP status with Frost Bank.

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. Frost Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Frost 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 Frost 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 Frost 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 Frost 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. Frost Bank weighs this case by case under its own policy, so be upfront about your history and ask Frost Bank how it evaluates prior bankruptcies.