Moody National Bank

This is a financial institution offering SBA loan programs and business financing solutions designed to support small and medium-sized enterprises in the Texas region.

It's recommended to schedule an appointment to meet with a lending specialist, but walk-in consultations may be available during business hours.

Moody National Bank's lobby operates Monday through Friday, 9:00 AM to 5:00 PM, with drive-in service available from 8:30 AM to 5:30 PM on weekdays. Confirm current hours and any appointment-based availability with your local branch.

There are standard fees associated with SBA loans, including guarantee and closing costs, but no separate fee just for visiting or consulting.

This service is open to small business owners and entrepreneurs in the Texas region seeking SBA financing options.

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

The underwriting process typically takes 30 to 45 days, depending on the completeness of the application and supporting documents.

Moody National Bank does offer Saturday hours at select locations from 9:00 AM to 12:00 PM for both lobby and drive-in service, though availability varies by branch. Confirm Saturday hours at your specific location.

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

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

You can reach Moody National Bank by phone at (409) 765-5561 or online at moodybank.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 Moody National Bank before relying on them.

Like most SBA lenders, Moody National Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Moody National Bank directly which industries 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 Moody National Bank participates in SBA Express depends on its specific SBA lending authority. Contact Moody 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. Moody 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. Moody National Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Moody 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 Moody 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 Moody 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 Moody 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. Moody National Bank weighs this case by case under its own policy, so be upfront about your history and ask Moody National Bank how it evaluates prior bankruptcies.