York State Bank

This is a bank that offers SBA lending solutions designed to help small businesses secure funding for growth, equipment, and operational needs. They provide personalized service and expertise in SBA programs like the 7(a) loan, supporting local entrepreneurs in York and nearby areas.

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. Contact the bank in advance to confirm availability and arrange a meeting if needed.

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It's advisable to call ahead to confirm hours or to schedule an appointment outside regular hours if necessary.

There may be fees associated with loan applications, processing, and closing costs, all aligned with SBA guidelines. These fees vary depending on the loan type and amount, and the bank will provide a detailed fee schedule during the application process.

This bank primarily serves residents and small business owners within the York community and surrounding regions. Eligibility for SBA loans depends on meeting specific program requirements and creditworthiness.

A minimum personal credit score of around 650 is generally preferred, but the exact requirement may vary based on the loan type and overall financial profile of the borrower.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of submitted documentation. The bank aims to provide timely decisions and support throughout the process.

Most banks keep weekday business hours and are closed on weekends, and York State 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 York State Bank to confirm current weekend availability before you go.

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

The core details for York State 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 York State Bank before applying. If you represent York State Bank, claim this listing to keep its information up to date.

You can reach York State Bank by phone at (402) 362-4411 or online at yorkstatebank.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 York State Bank before relying on them.

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