FDIC FDIC-Insured — Backed by the full faith and credit of the U.S. Government
Ask Us This Monday. Find Out Next Monday.
Get a decision on your commercial loan application in 7 days.
Here's What We Finance for Commercial Loans:
The 7-Day Promise applies to commercial loan applications only and begins once Guadalupe Bank receives a complete underwriting package, as confirmed by a Guadalupe Bank loan officer. Incomplete submissions, specialized collateral, construction projects, government-guaranteed loans, multiple borrowing entities, or other complex transactions may require additional review time. Loans over $3 million may require extended timelines. This program does not constitute a commitment to lend. All loans remain subject to underwriting and final approval. Guadalupe Bank, FDIC.
- Auto
- Equipment
- Land
- Working capital
How the 7 Days Work
Three straightforward steps. One clear answer. And most importantly, no runaround.
Talk to a loan officer
A real Guadalupe Bank banker reviews your financing need and confirms you're a fit for a commercial loan. This conversation is where we get to know your operation.
The clock has not started yet
Submit a complete application
Send every required document and financial statement. Your loan officer will tell you exactly what's needed so nothing is missing. The 7-business-day clock starts the moment your complete application is received.
The 7-day clock starts here
Get your decision
A written yes or no within 7 business days. Decided locally, by a banker who knows your name. No vague timelines. No runaround.
Written decision delivered
Application Checklist
What to Have Ready Before You Apply
Gather these items first so nothing holds up your decision:
- Photo ID for all applicants
- Most recent two years of tax returns (personal and business if applicable)
- Two most recent pay stubs or, for business/ag borrowers, year-to-date profit and loss statement
- Two most recent bank statements
- Purpose of the loan and amount requested
- Documentation on collateral (title, deed, purchase agreement, or equipment/livestock details, as applicable)
- Signed application and disclosure forms
The full checklist will be sent from the loan officer after the initial inquiry.
The Old Way
Weeks of waiting
Your loan file gets sent to an out-of-city committee that has never seen your land, your equipment, or your operation.
No name, no face
Decisions made by people who have never met you, never visited the Hill Country, and don't know your business.
Missed windows
Equipment, land, and seasons don't wait. A slow decision is often the same as a no.
The Guadalupe Way
7 business days
A written yes or no on your commercial loan. Delivered within 7 business days of a complete, qualified application.
Decided locally
By your own banker, right here in Kerrville, Fredericksburg, or San Antonio. Someone who knows your name and your operation.
Built for the Hill Country
Ranch, land, and business lending solutions designed specifically for the Hill Country.
Talk to a Guadalupe Bank Loan Officer Today
Get in touch and we can guide you through the process.
Data Privacy
Your privacy matters to us. By submitting this form, you consent to be contacted by Guadalupe Bank by phone, text, or email regarding your loan inquiry, using the information you provide. Message and data rates may apply, and you may opt out at any time. Guadalupe Bank does not sell your personal information to third parties. Information you submit is used solely to process your loan inquiry and application in accordance with our Privacy Policy.
Find your nearest Guadalupe Bank location
Offer applies to commercial loans on qualified applications. The 7-business-day decision period begins after you speak with a Guadalupe Bank loan officer and submit a complete application with all required documentation. Loans over $3 million may require additional time. All loans subject to credit approval. Member FDIC.