True Access Capital Corporation

This is a financial institution specializing in SBA loans and small business financing solutions. You can find information about loan programs, application processes, and how to access funding to support your business growth.

It's recommended to schedule an appointment to discuss your financing needs, but walk-in consultations may also be available during business hours. Contact the bank in advance to confirm availability.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. Hours may vary on holidays or by appointment, so it's best to call ahead.

There are no fees to inquire about or apply for SBA loans, but specific loan products may have associated fees such as application or closing costs. These are detailed during the application process.

This institution primarily serves small businesses across the country, regardless of residency, provided they meet the eligibility criteria for SBA loans.

A minimum personal credit score of 650 is generally preferred, but the final decision depends on the overall creditworthiness and business profile of the applicant.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of submitted documentation.

Most banks keep weekday business hours and are closed on weekends, and True Access Capital Corporation 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 True Access Capital Corporation to confirm current weekend availability before you go.

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

The core details for True Access Capital Corporation — 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 True Access Capital Corporation before applying. If you represent True Access Capital Corporation, claim this listing to keep its information up to date.

You can reach True Access Capital Corporation by phone at (302) 652-6774 or online at trueaccesscapital.org — 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 True Access Capital Corporation before relying on them.

Based on its approved SBA loans, True Access Capital Corporation most often finances businesses in general retail, restaurants & food service, salons, spas & personal care, cleaning, landscaping & janitorial, and transportation & trucking. This reflects True Access Capital Corporation'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 True Access Capital Corporation 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 True Access Capital Corporation participates in SBA Express depends on its specific SBA lending authority. Contact True Access Capital Corporation 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. True Access Capital Corporation 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. True Access Capital Corporation's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask True Access Capital Corporation 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 True Access Capital Corporation 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 True Access Capital Corporation 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 True Access Capital Corporation 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. True Access Capital Corporation weighs this case by case under its own policy, so be upfront about your history and ask True Access Capital Corporation how it evaluates prior bankruptcies.