Sonata Bank

This is a dedicated SBA lender offering small business loans, including 7A programs, with personalized service to help you secure the funding you need for growth or operations.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may be available during business hours.

Sonata Bank operates Monday through Friday from 8:30 AM to 4:00 PM at both their Brentwood, TN and Sebree, KY locations. Please confirm these hours with the bank before visiting.

There are application and processing fees associated with SBA loans, which vary depending on the loan size and type, but these are disclosed upfront.

This lender primarily serves small business owners in the region, but eligibility is based on business criteria rather than residency alone.

A minimum personal credit score of 620 is generally preferred for guarantors applying for SBA loans.

The underwriting process typically takes approximately 30 to 60 days, depending on the completeness of documentation and loan complexity.

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

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

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

You can reach Sonata Bank at (833) 766-2821, online at sonatabank.com, or through their contact form at sonatabank.com/about-us/connections/contact-us. Confirm your inquiry reaches their SBA lending team.

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