The Dart Bank

This is a local bank that provides SBA loan programs, including the 7(a) loan, to support small business growth and expansion in the Mason, Michigan area.

It's recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are also welcome during business hours.

The Dart Bank's lobby is open Monday through Friday from 9:00 AM to 5:00 PM. Please confirm current hours with your local branch.

Yes, fees such as guarantee fees and closing costs may apply, and they are disclosed during the loan application process.

This bank primarily serves local residents and businesses in the Mason area but may support regional clients based on eligibility.

A minimum personal credit score of around 640 is generally preferred, though other factors are also considered in the approval process.

The underwriting process typically takes 2 to 4 weeks, depending on the completeness of the application and supporting documents.

Select Dart Bank locations are open on Saturdays from 9:00 AM to 1:00 PM, including the Mason, Holt, Grand Ledge, and Lansing offices. Contact your nearest branch to confirm Saturday availability.

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

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

You can reach The Dart Bank by phone at (517) 676-3661 or online at dart.bank — 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 Dart Bank before relying on them.

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