Texas Financial Bank

This is a commercial bank that specializes in SBA loan programs, providing small businesses with access to financing for growth, equipment, and working capital. They offer personalized guidance to help you navigate the loan process and secure the funding you need.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. Appointments outside these hours can be arranged upon request.

There are no fees for visiting or consulting with the bank; however, loan products may have associated interest rates and closing costs.

The bank primarily serves small business owners and entrepreneurs within the region, but they welcome clients from various backgrounds who meet their lending criteria.

A minimum personal credit score of 650 is generally required, though higher scores improve approval chances.

The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of your application and documentation.

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

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

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

You can reach Texas Financial Bank by phone at (325) 869-5511 — 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 Texas Financial Bank before relying on them.

Like most SBA lenders, Texas Financial 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 Texas Financial 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 Texas Financial Bank participates in SBA Express depends on its specific SBA lending authority. Contact Texas Financial 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. Texas Financial 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. Texas Financial Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Texas Financial 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 Texas Financial 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 Texas Financial 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 Texas Financial 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. Texas Financial Bank weighs this case by case under its own policy, so be upfront about your history and ask Texas Financial Bank how it evaluates prior bankruptcies.