Lone Star Bank

This is a financial institution offering SBA loan programs and small business financing solutions. You can find assistance with loan applications, funding options, and expert guidance to help grow your business.

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

The bank's typical hours are Monday through Friday from 9:00 AM to 5:00 PM, but it's best to contact them directly for specific branch hours or to schedule an appointment.

There are no fees to inquire about or apply for SBA loans; however, certain processing and closing fees may apply depending on the loan terms.

This service is primarily available to small business owners and entrepreneurs within the bank's regional service area, but eligibility depends on meeting specific loan requirements.

A minimum personal credit score of around 640 is generally preferred, though higher scores can improve approval chances.

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 Lone Star 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 Lone Star Bank to confirm current weekend availability before you go.

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

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

You can reach Lone Star Bank by phone at (713) 358-9400 or online at lsbtexas.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 Lone Star Bank before relying on them.

Based on its approved SBA loans, Lone Star Bank most often finances businesses in hotels & lodging and restaurants & food service. This reflects Lone Star 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 Lone Star 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 Lone Star Bank participates in SBA Express depends on its specific SBA lending authority. Contact Lone Star Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Lone Star Bank holds SBA Preferred Lender Program status, which allows them to approve SBA loans in-house without submitting each application to the SBA first, typically resulting in faster loan decisions. Confirm current PLP status directly with the bank.

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