Horizon Bank, SSB

Horizon Bank, SSB is a community bank headquartered in Austin, Texas, with roots going back to 1905. It holds SBA Preferred Lender status, meaning it can process SBA loan applications in-house rather than routing them through the SBA for review — a practical advantage if timing matters. The bank primarily serves Central Texas businesses and offers a solid lineup: lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Minimum credit, revenue, and time-in-business requirements aren't publicly listed, so you'll need to reach out directly to gauge eligibility. A good fit if you're an established Central Texas business looking for a relationship-oriented community bank with SBA lending capability.