The Lyons National Bank

This is a local bank that offers SBA loan programs to support small business growth and development. You can find assistance with financing options, application guidance, and personalized service tailored to your business needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also accommodated depending on availability.

The Lyons National Bank Lyons branch lobby operates Monday-Wednesday 9:00 AM to 3:00 PM, Thursday 9:00 AM to 4:00 PM, Friday 9:00 AM to 6:00 PM, and Saturday 8:30 AM to 12:00 PM. Please confirm these hours with the branch directly at 315-946-4505 before visiting.

There are no fees for visiting the branch; however, loan application and processing fees may apply depending on the specific financing product.

This bank primarily serves local residents and small business owners in the Lyons area, but they also work with out-of-town clients on SBA loans.

A minimum personal credit score of 640 is generally preferred, 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.

Yes, The Lyons National Bank's Lyons branch is open Saturday 8:30 AM to 12:00 PM for lobby service, but closed Sunday. Please confirm current weekend hours with the branch.

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

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

You can reach The Lyons National Bank by phone at (315) 946-4505 or online at bankwithlnb.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 Lyons National Bank before relying on them.

Based on its approved SBA loans, The Lyons National Bank most often finances businesses in restaurants & food service, general retail, construction & contractors, fitness & recreation, food manufacturing & processing, and bars & nightlife. This reflects The Lyons National 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 Lyons National 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 Lyons National Bank participates in SBA Express depends on its specific SBA lending authority. Contact The Lyons 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 Lyons 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 Lyons National Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Lyons 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 Lyons 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 Lyons 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 Lyons 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 Lyons National Bank weighs this case by case under its own policy, so be upfront about your history and ask The Lyons National Bank how it evaluates prior bankruptcies.