Liberty National Bank

This is a trusted SBA lender offering tailored financing options for small and medium-sized businesses, including SBA 7(a) loans, with personalized support and regional expertise.

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

The bank typically operates Monday through Friday from 8:30 AM to 5:00 PM, but hours may vary, so it's best to contact them directly.

There are no fees to visit or inquire; however, loan processing and application fees may apply depending on the financing arrangement.

This lender primarily serves businesses in Sioux City and the surrounding region, focusing on local and regional economic development.

A minimum personal credit score of around 650 is generally required, but approval depends on overall financial health and business stability.

The underwriting process typically 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 Liberty National 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 Liberty National Bank to confirm current weekend availability before you go.

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

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

You can reach Liberty National Bank by phone at (712) 224-4425 or online at libertynational.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 Liberty National Bank before relying on them.

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