Unity National Bank of Houston

This is a financial institution offering SBA loan programs designed to help small businesses grow and succeed. You can find information on various loan options, application processes, and personalized support tailored to your business needs.

It's recommended to schedule an appointment to ensure dedicated assistance, but walk-ins may be accommodated depending on availability. Contact the bank beforehand for the best experience.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM. It is advisable to call ahead to confirm hours or schedule an appointment.

There are application and closing fees associated with SBA loans, which vary depending on the loan amount and type. The bank provides transparent fee disclosures during the application process.

This bank primarily serves small business owners and entrepreneurs within the Houston region, but they may consider applicants from surrounding areas based on eligibility criteria.

A minimum personal credit score of 620 is generally required, though higher scores may improve approval chances and loan terms.

The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and documentation provided.

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

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

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

You can reach Unity National Bank of Houston by phone at (713) 387-7400 or online at unitybanktexas.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 Unity National Bank of Houston before relying on them.

Based on its approved SBA loans, Unity National Bank of Houston most often finances businesses in medical practices & clinics, restaurants & food service, and hotels & lodging. This reflects Unity National Bank of Houston'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 Unity National Bank of Houston 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 Unity National Bank of Houston participates in SBA Express depends on its specific SBA lending authority. Contact Unity National Bank of Houston 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. Unity National Bank of Houston 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. Unity National Bank of Houston's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Unity National Bank of Houston 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 Unity National Bank of Houston 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 Unity National Bank of Houston 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 Unity National Bank of Houston 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. Unity National Bank of Houston weighs this case by case under its own policy, so be upfront about your history and ask Unity National Bank of Houston how it evaluates prior bankruptcies.