The Bank of Tampa

This is a bank that offers SBA loan programs to help small businesses access financing for growth, real estate, and equipment needs, with personalized service and local expertise.

It is recommended to schedule an appointment to meet with SBA loan specialists, but walk-ins may be accommodated depending on availability.

The bank's branch hours are typically Monday through Friday from 9:00 AM to 5:00 PM, but it's best to confirm by contacting the branch directly.

There are no fees for accessing basic banking services; however, loan processing and application fees may apply for SBA financing.

This bank primarily serves local residents and businesses in the Tampa Bay area, but offers SBA loan programs to qualified applicants nationwide.

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

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

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

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

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

You can reach The Bank of Tampa by phone at (813) 872-1216 or online at bankoftampa.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 The Bank of Tampa before relying on them.

Based on its approved SBA loans, The Bank of Tampa most often finances businesses in construction & contractors, medical practices & clinics, legal services, manufacturing, cleaning, landscaping & janitorial, and general retail. This reflects The Bank of Tampa'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 Tampa 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 The Bank of Tampa participates in SBA Express depends on its specific SBA lending authority. Contact The Bank of Tampa and ask if it offers SBA Express and what the current limits and terms look like for your situation.

The Bank of Tampa is an SBA Preferred Lender and can streamline processing procedures for most SBA-guaranteed loans. Confirm current status directly with their SBA department at (813) 872-1221.

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