TransPecos Banks, SSB.
TransPecos Banks, SSB. is an active SBA lender in Texas, a bank offering SBA-guaranteed small-business loans. Currently rated 3.1 stars across 34 Google reviews.
$139M
in SBA approvals since 2011
98
SBA loans funded
Hotels & Lodging · Manufacturing · Medical Practices & Clinics
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About TransPecos Banks, SSB.
TransPecos Banks, SSB offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or working capital. As a commercial bank located in Pecos, TX, it specializes in providing SBA loans, including the 7(a) program, which is ideal for a variety of business needs. The bank's team is dedicated to guiding clients through the loan process, from application to approval, ensuring a smooth experience. With a focus on local businesses, TransPecos Banks supports entrepreneurs in the Pecos region and beyond, helping them access the capital necessary to succeed. The bank's approval amounts can reach up to $759,000, making it suitable for both small and medium-sized enterprises. Its expertise in SBA lending allows it to serve diverse industries, with a particular strength in retail and services, aligned with its primary NAICS code 445120. Clients benefit from personalized service and competitive terms, with an emphasis on fostering local economic growth.
Industries TransPecos Banks, SSB. finances
Business types TransPecos Banks, SSB. actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about TransPecos Banks, SSB.
What is this place and what can I find here?
This is a commercial bank that provides SBA loan services to small businesses, helping them access capital for growth, expansion, and operational needs. You can find information about their loan programs, application processes, and how they support local entrepreneurs.
Do I need an appointment or can I walk in?
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 streamline your visit.
What are the hours of operation?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM. It is advisable to contact the branch directly for any specific appointment or service hours.
Is there a fee to use this?
There are no fees to inquire about SBA loans or to start the application process. However, certain loan fees and closing costs may apply depending on the loan terms.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and entrepreneurs in the Pecos area, but eligibility for SBA loans is based on business criteria, not residency alone.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is generally preferred, though higher scores can improve approval chances.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes 30 to 60 days, depending on the completeness of your application and the complexity of your loan request.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and TransPecos Banks, SSB. 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 TransPecos Banks, SSB. to confirm current weekend availability before you go.
How do I get there and where do I park?
TransPecos Banks, SSB. 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.
Who owns or operates this listing?
This page is an independent directory listing for TransPecos Banks, SSB., an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by TransPecos Banks, SSB. itself, which runs its own lending under its own ownership. If you work at TransPecos Banks, SSB., you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for TransPecos Banks, SSB. — 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 TransPecos Banks, SSB. before applying. If you represent TransPecos Banks, SSB., claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach TransPecos Banks, SSB. by phone at (432) 445-2893 or online at transpecos.bank — 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 TransPecos Banks, SSB. before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, TransPecos Banks, SSB. most often finances businesses in hotels & lodging, medical practices & clinics, manufacturing, restaurants & food service, automotive repair & services, and general retail. This reflects TransPecos Banks, SSB.'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 TransPecos Banks, SSB. which sectors 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 TransPecos Banks, SSB. participates in SBA Express depends on its specific SBA lending authority. Contact TransPecos Banks, SSB. 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. TransPecos Banks, SSB. 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. TransPecos Banks, SSB.'s appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask TransPecos Banks, SSB. 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 TransPecos Banks, SSB. 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 TransPecos Banks, SSB. 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 TransPecos Banks, SSB. 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. TransPecos Banks, SSB. weighs this case by case under its own policy, so be upfront about your history and ask TransPecos Banks, SSB. how it evaluates prior bankruptcies.
