Stellar Bank

This is Stellar Bank, a financial institution specializing in SBA loans and small business financing solutions. You can find information about their loan programs, application process, and support services tailored for business growth.

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 depending on current capacity.

Stellar Bank's branch hours are typically Monday through Friday, from 9:00 AM to 5:00 PM, but it's best to contact the branch directly for specific appointment times or after-hours services.

There are no fees for initial consultations; however, standard loan application and processing fees may apply depending on the financing arrangement.

This service is primarily available to small business owners and entrepreneurs who meet the eligibility criteria for SBA loans, regardless of residency, as long as they operate within the supported regions.

A minimum personal credit score of around 680 is generally preferred, but the specific requirements may vary based on the loan type and overall credit profile.

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

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

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

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

You can reach Stellar Bank by phone at (281) 517-8700 or online at stellar.bank — 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 Stellar Bank before relying on them.

Based on its approved SBA loans, Stellar Bank most often finances businesses in automotive repair & services, restaurants & food service, childcare & early education, wholesale & distribution, manufacturing, and construction & contractors. This reflects Stellar 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 Stellar 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 Stellar Bank participates in SBA Express depends on its specific SBA lending authority. Contact Stellar 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. Stellar Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

Stellar Bank offers SBA 7(a) loans ideal for starting a business, with loan amounts from $350,000 to $5,000,000 and terms up to 10 years for acquisitions. Confirm specific startup eligibility requirements and down payment expectations with Stellar Bank.

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