Security State Bank and Trust

This is a local bank offering SBA lending services to small businesses, including 7(a) loans, with personalized support throughout the application process. You can find assistance with financing for growth, equipment, or working capital tailored to your business needs.

It is recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-ins are also welcome during business hours for initial inquiries.

Security State Bank and Trust's business lending office is open Monday through Friday from 9:00 AM to 3:00 PM; please confirm current hours and any appointment options with the bank.

There are fees associated with loan processing and closing, which are disclosed upfront; there is no fee simply to access their services or inquire about loans.

This bank primarily serves local residents and small business owners in the Fredericksburg area, but they also work with out-of-town clients on a case-by-case basis.

A minimum personal credit score of around 650 is generally preferred, though stronger scores can improve approval chances.

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 Security State Bank and Trust 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 Security State Bank and Trust to confirm current weekend availability before you go.

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

The core details for Security State Bank and Trust — 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 Security State Bank and Trust before applying. If you represent Security State Bank and Trust, claim this listing to keep its information up to date.

You can reach Security State Bank and Trust by phone at (830) 997-7575 or online at ssbtexas.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 Security State Bank and Trust before relying on them.

Based on its approved SBA loans, Security State Bank and Trust most often finances businesses in restaurants & food service, manufacturing, automotive repair & services, fitness & recreation, construction & contractors, and general retail. This reflects Security State Bank and Trust'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 Security State Bank and Trust which sectors it actively lends to before you apply.

Yes, Security State Bank and Trust offers SBA Express—a revolving line of credit for $25,000–$500,000 with accelerated approval, longer maturity terms, and financed SBA fees; please confirm current eligibility and terms with the bank.

Security State Bank and Trust holds SBA Preferred Lender Program (PLP) membership, enabling quick loan approvals, lower down payments, flexible overhead requirements, and some loans without collateral; please confirm current status with the bank.

Security State Bank and Trust lists financing a new business or franchise as an eligible use of SBA loans; please contact the bank directly to discuss specific startup requirements and whether your venture meets their lending criteria.

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 Security State Bank and Trust 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 Security State Bank and Trust 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 Security State Bank and Trust 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. Security State Bank and Trust weighs this case by case under its own policy, so be upfront about your history and ask Security State Bank and Trust how it evaluates prior bankruptcies.