WestStar Bank
WestStar Bank is an active SBA lender in Texas, a bank offering SBA-guaranteed small-business loans. Currently rated 2.9 stars across 24 Google reviews.
$72M
in SBA approvals since 2010
236
SBA loans funded
Construction & Contractors · Transportation & Trucking · Dental Practices
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About WestStar Bank
WestStar Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, they assist clients through the SBA 7(a) loan program, providing funding options up to $126,000 for qualifying businesses. Their experienced team guides borrowers through the application process, ensuring clarity and efficiency from start to finish. Whether you're looking to acquire new equipment, expand your facilities, or improve cash flow, WestStar Bank's SBA loans can be a strategic financial solution. They serve a diverse range of industries with a particular strength in supporting regional businesses across Texas, emphasizing local economic development and community growth. The bank's commitment to customer success is reflected in their flexible lending criteria and dedicated support staff, making them a trusted partner for small business financing needs.
Serves SBA borrowers in 2 states
WestStar Bank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries WestStar Bank finances
Business types WestStar Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about WestStar Bank
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and small business financing solutions, with personalized support and regional expertise to help your business grow.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-in consultations may also be available during business hours.
What are the hours of operation?
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with extended hours by appointment.
Is there a fee to use this?
There are application and closing fees associated with SBA loans, which are disclosed upfront during the application process.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and residents within its regional service area in Texas.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required to qualify for SBA loans.
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 application and documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and WestStar 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 WestStar Bank to confirm current weekend availability before you go.
How do I get there and where do I park?
WestStar Bank 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 WestStar Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by WestStar Bank itself, which runs its own lending under its own ownership. If you work at WestStar Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for WestStar 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 WestStar Bank before applying. If you represent WestStar Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
Contact the Small Business Banking Team at smallbusinessbankers@weststarbank.com for SBA loan inquiries, or call 915.532.1000.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, WestStar Bank most often finances businesses in construction & contractors, medical practices & clinics, wholesale & distribution, restaurants & food service, manufacturing, and dental practices. This reflects WestStar Bank'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 WestStar Bank 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 WestStar Bank participates in SBA Express depends on its specific SBA lending authority. Contact WestStar 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. WestStar 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. WestStar Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask WestStar 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 WestStar 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 WestStar 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 WestStar 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. WestStar Bank weighs this case by case under its own policy, so be upfront about your history and ask WestStar Bank how it evaluates prior bankruptcies.
