Time Bank

Time Bank is a community commercial bank headquartered in Park Ridge, IL that appears to operate nationally. It makes loan decisions in-house and is owner-managed, which can translate to more flexible underwriting and faster turnarounds than larger institutional lenders. For small businesses, Time Bank offers a solid lineup: SBA loans, lines of credit, term loans, construction loans, equipment finance, and commercial real estate financing. Its SBA lending and construction loan programs are noted specialties. Bauer Financial has rated it among the strongest banks in the United States — a meaningful institutional endorsement. Because minimum credit score, revenue, and time-in-business thresholds are not publicly disclosed, prospective borrowers will need to contact the bank directly to assess fit. Time Bank seems well suited for owner-operated businesses seeking a relationship-driven lender with in-house decision-making rather than an automated, high-volume platform.