TBK Bank, SSB

This is a commercial bank that offers SBA loan programs designed to help small businesses secure funding for growth, equipment, or real estate. You can find personalized assistance and a variety of financing options tailored to your business needs.

It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome if staff availability permits. Calling ahead can help streamline your visit and prepare the necessary documentation.

TBK Bank operates Monday through Friday from 8:00 AM to 5:00 PM. For specific branch hours, confirm with TBK Bank directly.

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

This bank primarily serves small business owners and entrepreneurs within the region, but eligibility depends on meeting SBA and lending criteria regardless of residency status.

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

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

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

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

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

You can reach TBK Bank, SSB by phone at (866) 644-3935, email at info@tbkbank.com, or online at tbkbank.com. For SBA loans specifically, ask for their business lending department.

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