The Western State Bank
The Western State Bank is an active SBA lender in Kansas, a bank offering SBA-guaranteed small-business loans. Currently rated 4.4 stars across 24 Google reviews.
About The Western State Bank
The Western State Bank offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financing options. With a focus on supporting local entrepreneurs, this bank provides various loan programs including the SBA 7(a) and 504, designed to meet diverse business needs such as expansion, equipment purchase, or working capital. The bank's experienced team guides clients through the application process, ensuring clarity and support at every step. Located in Garden City, Kansas, the bank serves a broad geographic area, emphasizing personalized service and flexible lending criteria. Their loan offerings are suitable for a range of industries, with particular strength in retail and service sectors. Whether you're a startup or an established business, Western State Bank aims to facilitate growth by providing accessible financing options with competitive terms. The bank's commitment to community development and small business success makes it a reliable partner for your financial needs.
Common questions about The Western State Bank
What is this place and what can I find here?
This is a local bank offering SBA loan programs and business financing solutions to support small and medium-sized enterprises in the region. You can find assistance with loans for expansion, equipment, and working capital, along with personalized guidance from experienced lenders.
Do I need an appointment or can I walk in?
It's 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 prepare your documentation and streamline the process.
What are the hours of operation?
The Western State Bank's Garden City Main Banking Center is open Monday through Friday from 9:00 AM to 5:00 PM for lobby services. Confirm specific hours or appointments with the branch.
Is there a fee to use this?
There are application and guarantee fees associated with SBA loans, which vary depending on the loan amount and terms. These fees are disclosed upfront during the application process.
Who is this open to — anyone, or only residents/members?
The bank primarily serves local businesses and residents in the Kansas region, but eligibility for SBA loans extends to qualifying businesses nationwide, provided they meet program criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required, though higher scores improve the likelihood of approval and favorable terms.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 45 days, depending on the completeness of your documentation and the complexity of your application.
Is this open on weekends?
The lobby is closed on weekends, but the drive-thru is open Saturday 8:00 AM to 1:00 PM. A 24-hour ATM is available.
How do I get there and where do I park?
The Western State Bank is located in Kansas — 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.
Who owns or operates this listing?
This page is an independent directory listing for The Western State Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Western State Bank itself, which runs its own lending under its own ownership. If you work at The Western State Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for The Western 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 Western State Bank before applying. If you represent The Western State Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach the branch at (620) 275-4128 or email twhitham@wsbks.com (Branch President Tyler Whitham). For SBA lending details, confirm department availability with the branch.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, The Western 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 Western State Bank directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether The Western State Bank participates in SBA Express depends on its specific SBA lending authority. Contact The Western State Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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 Western State Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
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 Western State Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Western State Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 Western State Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 Western State Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 Western State Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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 Western State Bank weighs this case by case under its own policy, so be upfront about your history and ask The Western State Bank how it evaluates prior bankruptcies.
