Stockmens Bank

This is a commercial bank offering SBA loan programs designed to help small and medium-sized businesses access financing for growth, expansion, or operational needs. You can find personalized lending services, expert guidance, and a variety of loan options tailored to your business goals.

It's recommended to schedule an appointment with a loan officer to ensure dedicated time and personalized service, although 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 to inquire about SBA loans or to begin the application process, but specific loan products may have associated fees which will be disclosed upfront.

This service is open to small and medium-sized businesses across the nation that meet the lending criteria, regardless of residency, provided they qualify for SBA programs.

Typically, a minimum personal credit score of 650 is preferred, though higher scores may improve approval chances and loan terms.

The underwriting process generally 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 Stockmens 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 Stockmens Bank to confirm current weekend availability before you go.

Stockmens Bank is located at 25 North Cascade Avenue, Suite 100, Colorado Springs, CO 80903. Parking information is not specified on their website—confirm available parking options when you contact the bank.

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

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

You can reach Stockmens Bank at (719) 955-2800, via their contact form at thestockmensbank.com/contact-us/, or telebanker services at 1 (800) 555-9459.

Like most SBA lenders, Stockmens Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Stockmens Bank directly which industries 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 Stockmens Bank participates in SBA Express depends on its specific SBA lending authority. Contact Stockmens 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. Stockmens 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. Stockmens Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Stockmens 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 Stockmens 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 Stockmens 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 Stockmens 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. Stockmens Bank weighs this case by case under its own policy, so be upfront about your history and ask Stockmens Bank how it evaluates prior bankruptcies.