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.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability.

Typically, the bank operates from 9:00 AM to 5:00 PM, Monday through Friday, but it's best to contact them directly for specific hours.

There are standard SBA fees associated with the loans, including guarantee fees and closing costs, which vary depending on the loan size and terms.

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

A minimum personal credit score of 620 is generally preferred for guarantors applying for SBA loans.

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

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

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 horizon.bank — 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 Horizon Bank SSB before relying on them.

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.

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. Horizon Bank SSB 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. 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.