The MINT National Bank

This is a local bank offering SBA loan programs and small business financing solutions to help entrepreneurs grow their businesses. You can find personalized service, expert guidance, and various loan options tailored to your needs. The bank focuses on supporting small businesses within the community and beyond.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It's advisable to contact the branch directly for specific hours or to schedule an appointment outside regular hours.

There are no fees for simply visiting the bank; however, loan applications and services may involve certain fees or interest charges depending on the product. It's best to discuss fee details directly with a loan officer.

This bank primarily serves local residents and small business owners in the Kingwood area, but they also welcome clients from surrounding regions seeking SBA financing solutions.

Typically, a minimum personal credit score of 640 is preferred, though higher scores may improve approval chances and loan terms.

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of your application.

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

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

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

You can reach The MINT National Bank by phone at (281) 359-6468 or online at themintbank.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 MINT National Bank before relying on them.

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