Hana Bank USA National Association

This is a trusted SBA lender offering small business loans, including 7(a) programs, with personalized support to help entrepreneurs secure financing for growth and development.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-in consultations may also be available during business hours.

The office operates Monday through Friday from 9:00 AM to 5:00 PM, with appointments available outside these hours upon request.

There are no fees for initial consultations; however, standard loan application and processing fees may apply during the financing process.

This lender primarily serves small business owners across the country, regardless of residency, provided they meet the qualifying criteria for SBA loans.

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

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

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

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

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

You can reach Hana Bank USA National Association by phone at (201) 592-7306 or online at hanabank.us — 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 Hana Bank USA National Association before relying on them.

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