German American Bank

This is a regional bank offering SBA loan programs and small business financing solutions tailored to local entrepreneurs and growing businesses.

It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours.

German American Bank's Jasper location is open Monday through Friday, 9:00 AM to 5:00 PM ET for both lobby and drive-up window. Please confirm current hours with the branch at (812) 482-1314.

There are no fees for initial consultations; loan-specific fees and interest rates apply based on the financing terms.

This bank primarily serves local residents and businesses within its regional service area, but eligibility depends on the specific loan program criteria.

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

The underwriting process generally takes 2 to 4 weeks, depending on the completeness of application materials and loan complexity.

This German American Bank location is closed on weekends (Saturday and Sunday).

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

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

You can reach German American Bank by phone at (812) 482-1314 or online at germanamerican.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 German American Bank before relying on them.

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