Stone Bank

This is a bank that provides SBA loan services and small business financing solutions. You can find information about their loan programs, application process, and support services for entrepreneurs and business owners.

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

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, but hours may vary, so it's best to contact ahead.

There are no fees to access basic information, but loan application processes may involve fees depending on the loan type and terms.

This bank primarily serves local residents and small business owners in Arkansas, but eligibility depends on meeting specific loan criteria.

Typically, a minimum personal credit score of 640 is preferred, but this can vary based on the loan type and overall financial profile.

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

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

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

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

You can reach Stone Bank by phone at (833) 253-2265 or online at stonebank.com — 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 Stone Bank before relying on them.

Based on its approved SBA loans, Stone Bank most often finances businesses in construction & contractors, automotive repair & services, medical practices & clinics, general retail, wholesale & distribution, and transportation & trucking. This reflects Stone 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 Stone 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 Stone Bank participates in SBA Express depends on its specific SBA lending authority. Contact Stone Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Stone Bank is designated as an SBA Preferred Lender, which allows them to approve SBA loans in-house without SBA review for each transaction, typically resulting in faster lending decisions. Confirm current PLP status and scope with Stone Bank directly.

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. Stone Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Stone 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 Stone 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 Stone 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 Stone 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. Stone Bank weighs this case by case under its own policy, so be upfront about your history and ask Stone Bank how it evaluates prior bankruptcies.