InBank

This is a bank that offers SBA loan programs to small businesses, providing financing solutions for growth, real estate, and working capital needs. They focus on personalized service and helping entrepreneurs succeed.

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

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday, but it's best to confirm directly with the branch for specific hours.

There are no fees for initial consultations; however, loan processing and application fees may apply depending on the specific financing arrangement.

This bank primarily serves small business owners and entrepreneurs in the Raton area and surrounding regions, but they welcome qualified applicants from eligible businesses nationwide.

A minimum personal credit score of around 640 is generally preferred, although other factors such as business financials and collateral are also considered.

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

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

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

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

You can reach InBank by phone at (575) 445-2321 or submit an inquiry via their contact form at https://inbank.com/contact-us/. For SBA loans specifically, ask for their business lending department. Confirm with InBank for current contact details.

Based on its approved SBA loans, InBank most often finances businesses in construction & contractors, restaurants & food service, automotive repair & services, transportation & trucking, consulting & management, and manufacturing. This reflects InBank'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 InBank 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 InBank participates in SBA Express depends on its specific SBA lending authority. Contact InBank 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. InBank 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. InBank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask InBank 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 InBank 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 InBank 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 InBank 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. InBank weighs this case by case under its own policy, so be upfront about your history and ask InBank how it evaluates prior bankruptcies.