First National Bank Texas

This is a bank that provides SBA loan services, helping small businesses access financing for growth, working capital, and expansion. You can find personalized support and a variety of loan options tailored to your business needs.

Ask First National Bank Texas directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check First National Bank Texas's website or call before you visit.

Browsing this directory is free. Any loan fees are set by First National Bank Texas and the SBA program — ask the lender for its current schedule.

This bank primarily serves local residents and businesses in the Killeen area, but they also support regional clients seeking SBA financing.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask First National Bank Texas what it looks for today.

The underwriting process typically takes 30 to 60 days, depending on the loan complexity and completeness of your application.

Most bank SBA teams work weekdays; confirm with First National Bank Texas before planning a weekend visit.

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

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

You can reach First National Bank Texas by phone at (800) 677-9801 or online at www.1stnb.com/killeen-walmartt — the same details are in the contact card on this page.

Based on its approved SBA loans, First National Bank Texas most often finances businesses in construction & contractors, automotive repair & services, cleaning, landscaping & janitorial, medical practices & clinics, manufacturing, and restaurants & food service. This reflects First National Bank Texas'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 First National Bank Texas 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 First National Bank Texas participates in SBA Express depends on its specific SBA lending authority. Contact First National Bank Texas and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether First National Bank Texas has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

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. First National Bank Texas's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First National Bank Texas 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 First National Bank Texas 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 First National Bank Texas 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 First National Bank Texas 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. First National Bank Texas weighs this case by case under its own policy, so be upfront about your history and ask First National Bank Texas how it evaluates prior bankruptcies.