The Granger National Bank

This is a bank that offers SBA loan programs to small businesses, providing financing solutions to support growth and expansion. You can find assistance with loan applications, guidance on SBA requirements, and personalized service tailored to your business needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.

The Granger National Bank's main location lobby is open Monday–Thursday 9:00am–4:00pm and Friday 9:00am–5:00pm, while drive-through service operates Monday–Thursday 8:00am–4:00pm and Friday 8:00am–5:00pm. Please confirm with the bank for any holiday closures.

There are no fees to visit or consult with the bank; however, loan processing and application fees may apply depending on the financing options selected.

This bank primarily serves small business owners and entrepreneurs within the region, but eligibility depends on meeting specific loan criteria and credit requirements.

Typically, a minimum personal credit score of 650 is preferred, though higher scores can improve loan approval chances and terms.

The underwriting process generally takes between 2 to 4 weeks, depending on the complexity of the loan and completeness of the application.

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

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

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

You can reach The Granger National Bank at (512) 859-2202, via email at info@grangernationalbank.com, or through their contact form at grangernationalbank.com/contact/. For the Houston location, call (713) 589-9066. Please confirm current hours before visiting.

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