RiverBank

This is a local bank offering SBA loan programs and financial services tailored to small businesses in the Pocahontas area. You can find support for business expansion, equipment purchase, and working capital needs. The bank provides personalized assistance to help entrepreneurs access the funding they need to grow their businesses.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours. Calling ahead can help you prepare the necessary documentation and streamline the process.

RiverBank operates Monday–Thursday 8am–4:30pm and Friday 8am–5pm. Confirm current hours with your local branch as holiday schedules may vary.

There are no fees to access basic banking services, but specific loan applications and services may involve fees or interest charges. Details depend on the type of loan or service requested.

This bank primarily serves residents and small business owners within its regional service area. Business loans are available to qualifying small businesses in the community and surrounding regions.

A minimum personal credit score of around 640 is generally preferred, but approval considers the overall financial profile and business viability.

The underwriting process typically takes between two to four weeks, depending on the completeness of the application and the complexity of the loan request.

RiverBank is closed on weekends; SBA lending staff are available Monday through Friday only.

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

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

Email RiverBank at media@eriverbank.com or call (870) 892-2265 — ask for the business lending or SBA department.

Like most SBA lenders, RiverBank 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 RiverBank 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 RiverBank participates in SBA Express depends on its specific SBA lending authority. Contact RiverBank 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. RiverBank 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. RiverBank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask RiverBank 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 RiverBank 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 RiverBank 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 RiverBank 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. RiverBank weighs this case by case under its own policy, so be upfront about your history and ask RiverBank how it evaluates prior bankruptcies.