The Napoleon State Bank

This is a commercial bank that offers SBA loan programs to support small business growth and development in the local region. You can find assistance with SBA 7(a) loans, personalized financial solutions, and expert guidance for your business needs. The bank is dedicated to helping entrepreneurs secure the funding they need to succeed.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours. Calling ahead can help you prepare and streamline the process.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It's advisable to check ahead for any holiday hours or special closures.

There are no fees for simply visiting or consulting with the bank. Loan application fees and closing costs may apply depending on the specific financing arrangement.

This bank primarily serves local residents and small business owners within the region. Non-residents may need to meet certain criteria or have existing business ties to access services.

A minimum personal credit score of around 640 is generally preferred, but approval depends on overall financial health and business viability.

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 Napoleon State 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 Napoleon State Bank to confirm current weekend availability before you go.

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

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

You can reach The Napoleon State Bank by phone at (812) 852-4002 or online at napoleonstatebank.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 Napoleon State Bank before relying on them.

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