Home Bank, National Association
Home Bank, National Association is an active SBA lender in Louisiana, a bank offering SBA-guaranteed small-business loans. Currently rated 3.6 stars across 20 Google reviews.
$318M
in SBA approvals since 2010
266
SBA loans funded
Gas Stations & Convenience · Hotels & Lodging · General Retail
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Home Bank, National Association
Home Bank, National Association offers comprehensive SBA lending solutions tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, this bank provides a range of loan programs including the popular SBA 7(a) and 504 loans, designed to meet various business needs from working capital to real estate acquisitions. Their experienced team guides clients through the application process, ensuring clarity and support at every step. Whether you're a startup or an established enterprise, Home Bank's SBA offerings are structured to help you achieve your business goals efficiently. The bank's commitment to personalized service and flexible financing options makes it a trusted partner for small business owners across the nation. They support a broad spectrum of industries, with particular strength in sectors like manufacturing, retail, and services. Located in Lafayette, LA, the bank leverages its regional expertise to serve clients across the country, providing tailored solutions that align with industry-specific needs. Their loan programs feature competitive rates and terms, making them a preferred choice for small business financing.
Serves SBA borrowers in 2 states
Home Bank, National Association has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Home Bank, National Association finances
Business types Home Bank, National Association actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Home Bank, National Association
What is this place and what can I find here?
This is a financial institution offering SBA loan programs to support small business growth and development across various industries.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
Home Bank, National Association's standard lobby hours are Monday through Friday from 9:00 am to 5:00 pm. Please confirm current hours with your local branch as times may vary by location.
Is there a fee to use this?
There are no fees to access general information; however, loan processing and application fees may apply depending on the specific loan program.
Who is this open to — anyone, or only residents/members?
This service is open to small business owners nationwide who meet the eligibility criteria for SBA loan programs.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 680 is generally preferred for approval.
How long does the traditional underwriting process take from start to close?
The process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Select Home Bank, National Association locations are open on Saturdays from 9:00 am to 12:00 pm, though this service is not available at all branches. Please confirm with your local branch.
How do I get there and where do I park?
Home Bank, National Association is located in Louisiana — 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.
Who owns or operates this listing?
This page is an independent directory listing for Home Bank, National Association, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Home Bank, National Association itself, which runs its own lending under its own ownership. If you work at Home Bank, National Association, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Home Bank, 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 Home Bank, National Association before applying. If you represent Home Bank, National Association, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Home Bank, National Association by phone at (337) 237-1960 or online at home24bank.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 Home Bank, National Association before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Home Bank, National Association most often finances businesses in gas stations & convenience, hotels & lodging, general retail, restaurants & food service, medical practices & clinics, and wholesale & distribution. This reflects Home Bank, 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 Home Bank, National Association which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Home Bank, National Association participates in SBA Express depends on its specific SBA lending authority. Contact Home Bank, National Association and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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. Home Bank, National Association can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
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. Home Bank, National Association's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Home Bank, National Association directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 Home Bank, National Association what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 Home Bank, National Association to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 Home Bank, National Association to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. Home Bank, National Association weighs this case by case under its own policy, so be upfront about your history and ask Home Bank, National Association how it evaluates prior bankruptcies.
