Wyoming Capital Access

This is Wyoming Capital Access, a local bank offering SBA loan programs and small business financing solutions designed to help entrepreneurs grow and succeed.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.

There may be application and processing fees associated with SBA loans; these vary depending on the loan specifics.

This service is primarily available to small business owners and entrepreneurs within Wyoming, though some programs may have broader eligibility.

A minimum personal credit score of around 650 is generally required, though higher scores improve approval chances.

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

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

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

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

Wyoming Capital Access can be reached at (307) 234-5351, toll-free at 1-800-934-5351, or via their contact form at wyomingcapitalaccess.com/contact. Confirm current hours and availability directly with the lender.

Like most SBA lenders, Wyoming Capital Access 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 Wyoming Capital Access directly which industries 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 Wyoming Capital Access participates in SBA Express depends on its specific SBA lending authority. Contact Wyoming Capital Access 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. Wyoming Capital Access 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. Wyoming Capital Access's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Wyoming Capital Access 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 Wyoming Capital Access 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 Wyoming Capital Access 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 Wyoming Capital Access 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. Wyoming Capital Access weighs this case by case under its own policy, so be upfront about your history and ask Wyoming Capital Access how it evaluates prior bankruptcies.