Texas First Bank

This is a commercial bank offering SBA loan programs to support small and medium-sized businesses with financing solutions tailored to their needs. You can find assistance with loan applications, guidance on eligibility, and access to various SBA-backed funding options designed to help your business grow and succeed.

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

Texas First Bank operates Monday through Friday from 7:00 AM to 6:00 PM. Contact the branch directly to confirm specific hours and holiday schedules.

There are no fees to access basic consultation services, but loan processing and origination fees may apply depending on the loan type and amount. It's best to discuss fee details directly with a loan officer.

This bank primarily serves residents and businesses within its regional service area, but SBA loan programs are available to qualified small businesses nationwide, regardless of residency.

A minimum personal credit score of 620 is generally required, though higher scores may improve approval chances and loan terms.

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

Yes, Texas First Bank is open on Saturdays from 9:00 AM to 3:00 PM. The bank is closed on Sundays and bank holidays. Please confirm with the bank.

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

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

Texas First Bank can be reached at (409) 948-1990, via email at [email protected], or through their contact form at https://webforms.texasfirst.bank/about-us/contact-us.html. Please confirm with the bank.

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