Skyline National Bank

This is a commercial bank that provides SBA lending services, including 7(a) loans, to support small and medium-sized businesses in their growth and operational needs. You can find personalized financial solutions, expert guidance, and access to funding options tailored to your business goals.

It is recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.

Skyline National Bank branches typically operate Monday through Thursday 9:00 AM to 5:00 PM and Friday 9:00 AM to 6:00 PM, with most locations closed on Saturdays (though some offer Saturday drive-thru hours 8:30 AM to 12:00 PM). Hours may vary by branch, so contact Skyline National Bank directly to confirm.

There are no fees for simply visiting the bank or consulting with staff. Loan-related fees, such as guarantee and closing costs, apply only if you proceed with a borrowing agreement.

This bank primarily serves residents and businesses within its geographic area, but SBA loan programs are available to qualified applicants nationwide, provided they meet the eligibility criteria.

A minimum personal credit score of around 640 is generally preferred, though higher scores can improve approval chances and loan terms.

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

Most Skyline National Bank branches are closed on weekends; however, select locations offer Saturday drive-thru service from 8:30 AM to 12:00 PM. Confirm with your local branch.

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

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

You can reach Skyline National Bank by phone at (276) 773-2821, email at ourbest@skylinenationalbank.com, or submit an online contact form at https://www.skylinenationalbank.bank/contact-us/. Please confirm current contact details with the lender.

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