Silver Lake Bank

This is a local SBA lender offering small business financing options, including SBA 7(a) loans, to help entrepreneurs grow and succeed. You can find personalized guidance and support for your business funding needs.

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

The bank's typical hours are Monday through Friday, 9:00 AM to 5:00 PM, but it's best to contact them directly for specific appointment times or after-hours services.

There are no fees for simply inquiring about services, but loan application and processing fees may apply depending on the loan type and amount.

This bank primarily serves local small business owners and residents in the Topeka area, but eligibility depends on meeting specific lending criteria.

A minimum personal credit score of 640 is generally preferred, though stronger credit histories improve approval chances.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the application and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Silver Lake 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 Silver Lake Bank to confirm current weekend availability before you go.

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

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

You can reach Silver Lake Bank by phone at (785) 272-2270, email at slbank@silverlakebank.com, or online at silverlakebank.com.

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