Ozona Bank

This is a bank offering SBA loan programs and business financing solutions designed to support small businesses in the Ozona area. You can find information about loan options, application processes, and personalized financial services tailored to your business needs.

It is recommended to schedule an appointment to meet with a lending specialist, but walk-in consultations may also be available during business hours. Calling ahead ensures dedicated time with a loan officer.

Ozona Bank's hours vary by location and department. The main office in Ozona operates Monday-Friday 9:00am-4:30pm (closed noon-1pm) for the main lobby, and 8:00am-5:00pm for the motor bank. Confirm specific hours for your location with the lender.

There are no fees for initial inquiries; however, loan processing and closing may involve applicable fees such as application fees and guarantee fees depending on the loan terms.

This bank primarily serves residents and small business owners within the Ozona region, but business entities from outside the area may also qualify if they meet lending criteria.

A minimum personal credit score of 640 is generally preferred, but the final decision depends on the overall financial profile and collateral available.

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

Ozona Bank is generally closed weekends, but the Wimberley branch motor bank operates Saturday 8:00am-Noon. Confirm weekend service at your specific location with the lender.

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

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

Contact Ozona Bank at (325) 392-1300, ozonabank.com, or email ozona@ozona.bank for the main office. Other branches have location-specific email addresses available on their website. Confirm SBA department availability directly with the lender.

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