Huron Valley State Bank

This is a bank that specializes in SBA loans, providing small and medium-sized businesses with access to funding for growth, equipment, and real estate through various SBA programs, especially the 7(a) loan program.

It is recommended to schedule an appointment with their lending team to ensure personalized service, but walk-ins may be accommodated depending on availability.

The bank typically operates from 9 am to 5 pm, Monday through Friday, but it is best to contact them directly for specific hours or after-hours appointment options.

There are no fees for simply visiting the bank; however, loan processing and guarantee fees may apply when applying for SBA financing.

The bank primarily serves local residents and businesses in Michigan, but their SBA lending services are accessible to qualified businesses nationwide within the SBA program guidelines.

Typically, a minimum personal credit score of 640 is preferred, though higher scores can improve the likelihood of approval.

The underwriting process generally 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 Huron Valley State Bank 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 Huron Valley State Bank to confirm current weekend availability before you go.

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

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

You can reach Huron Valley State Bank by phone at (248) 684-9626 or online at hvsb.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 Huron Valley State Bank before relying on them.

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