Horizon Bank SSB

This is a bank that provides SBA loan programs to small businesses, offering financing options for growth, real estate, and equipment needs. You can find expert guidance and personalized service to help you secure the funding you need.

Ask Horizon Bank SSB directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check Horizon Bank SSB's website or call before you visit.

Browsing this directory is free. Any loan fees are set by Horizon Bank SSB and the SBA program — ask the lender for its current schedule.

This bank primarily serves small business owners and entrepreneurs within the region, especially those in Texas seeking SBA financing options.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask Horizon Bank SSB what it looks for today.

The underwriting process typically takes around 30 to 45 days, depending on the complexity of the application and completeness of documentation.

Most bank SBA teams work weekdays; confirm with Horizon Bank SSB before planning a weekend visit.

Horizon Bank SSB's Downtown Austin location is at 600 West 5th Street. A parking garage is located between 5th and 6th Streets on Nueces Street. Contact them at (512) 336-4600 to confirm access and other locations.

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

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

You can reach Horizon Bank SSB by phone at (512) 336-4600 or online at www.horizon.bank — the same details are in the contact card on this page.

Based on its approved SBA loans, Horizon Bank SSB most often finances businesses in general retail, restaurants & food service, construction & contractors, medical practices & clinics, salons, spas & personal care, and automotive repair & services. This reflects Horizon Bank SSB'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 Horizon Bank SSB 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 Horizon Bank SSB participates in SBA Express depends on its specific SBA lending authority. Contact Horizon Bank SSB and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether Horizon Bank SSB has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

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