The Bank of Houston
The Bank of Houston is an active SBA lender in Missouri, a bank offering SBA-guaranteed small-business loans. Currently rated 4.5 stars across 6 Google reviews.
$117M
in SBA approvals since 2020
144
SBA loans funded
General Retail · Gas Stations & Convenience · Construction & Contractors
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About The Bank of Houston
The Bank of Houston offers comprehensive SBA lending services tailored to meet the needs of small businesses seeking capital for growth, equipment, or working capital. With a focus on supporting local entrepreneurs, this institution provides expertise in SBA 7(a) loans, helping clients access funding up to $954,000 for various business purposes. Their experienced team guides borrowers through the application process, ensuring a smooth experience from start to finish. Located in Houston, MO, they serve the surrounding community with personalized financial solutions designed to foster business success and economic development. Whether you're a startup or an established business, The Bank of Houston is committed to helping you achieve your financial goals with flexible lending options and dedicated support.
Serves SBA borrowers in 3 states
The Bank of Houston has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries The Bank of Houston finances
Business types The Bank of Houston actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about The Bank of Houston
What is this place and what can I find here?
This is a bank that provides SBA loan services and financial solutions for small businesses. You can find expert guidance, funding options up to nearly a million dollars, and personalized support to help your business grow.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available during business hours.
What are the hours of operation?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, but hours may vary, so it's best to contact ahead of your visit.
Is there a fee to use this?
There are no fees to visit the bank; however, loan processing and application fees may apply depending on the services used.
Who is this open to — anyone, or only residents/members?
The bank primarily serves local small business owners and residents within the Houston, MO area, but eligibility depends on meeting loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of approximately 650 is generally recommended for loan qualification.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of your application and documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and The Bank of Houston 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 The Bank of Houston to confirm current weekend availability before you go.
How do I get there and where do I park?
The Bank of Houston is located in Missouri — 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.
Who owns or operates this listing?
This page is an independent directory listing for The Bank of Houston, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Bank of Houston itself, which runs its own lending under its own ownership. If you work at The Bank of Houston, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for The Bank of Houston — 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 The Bank of Houston before applying. If you represent The Bank of Houston, claim this listing to keep its information up to date.
How do I contact this listing directly?
For SBA loans, you can reach The Bank of Houston at sbaloans@thebankofhouston.com or by phone at (417) 967-3351. Confirm current contact options with the lender.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, The Bank of Houston most often finances businesses in restaurants & food service, general retail, construction & contractors, salons, spas & personal care, gas stations & convenience, and cleaning, landscaping & janitorial. This reflects The Bank of Houston'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 The Bank of Houston which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether The Bank of Houston participates in SBA Express depends on its specific SBA lending authority. Contact The Bank of Houston and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
The Bank of Houston is a designated SBA Preferred Lender (PLP), which streamlines loan approvals and enables faster decisions. Confirm current PLP status with the lender.
Are start-up companies eligible for financing at this traditional institution?
The Bank of Houston offers SBA 7(a) loans that explicitly cover franchise and non-franchise start-ups. Confirm current startup financing terms with the lender.
What are the typical down payment expectations for commercial real estate acquisitions?
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 The Bank of Houston what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 The Bank of Houston to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 The Bank of Houston to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. The Bank of Houston weighs this case by case under its own policy, so be upfront about your history and ask The Bank of Houston how it evaluates prior bankruptcies.
