Southside Bank in Tyler TX and obtaining a business loan

January 24th, 2011

Southside Bank is considered to be the most convenient bank in Tyler TX because they are in just about every grocery store in town and they are scattered throughout the city in several much larger facilities. Their recent billboard campaigns encourage you to use them for family loans for things like vacations and old antique cars. I have tried getting a loan for an antique car before and let me tell you if you want to see a bank loan officer give you a blank stare just ask the question about a loan for an antique car, very few know if this type of loan is even possible accept for the uber wealthy.

Southside Bank Locations in Tyler and Phone Numbers

1201 South Beckham Avenue, Tyler – (903) 526-8682
6201 South Broadway Avenue, Tyler – (903) 581-9773
113 N Northwest Loop 323, Tyler – (903) 535-4463

Southside Bank has been around Tyler TX for some time and most who have lived here for awhile have noticed how well they have spread themselves out over the city.

They have not only created large brand new facilities going out as far as Lindale TX but they have gotten into almost every Brookshires grocery store in town as well.

Southside Bank also happens to be in the SuperOne food Store on Hwy 110. When visiting the Southside Bank website it looks a little old school when logging into their online banking but the functionality is all there.

I have been pleased with the online banking this far as I can easily check my bank account on my computer or iphone. I have made transfers between accounts through their online system on my phone as well.

When talking about loans with Southside Bank I have had great conversations with one loan officer there while another one sort of gave me as little information as possible.

As you can imagine banks get asked by thousands of people a year for loans and many of these people simply have no credit and have done no research in regards to a business plan or how a business idea may succeed.

When you walk into Southside Bank asking for a loan you need to come with an easily understood business plan. Although it is good to have a complete business plan with figures to back it up a loan officer will usually glance over one page that outlines what it is you want to do and make their mind up for there.

A trick to getting a loan for a business idea is to visit 100 banks if you have to. Tweak and redefine your business plan and make it easy to read. Be a pleasant person to talk to and don’t come across as begging the loan officer.

One last few bits of advice is to attempt ahead of time to establish some kind of business credit.

There used to be the things called pass book checking accounts in the old days but these are no more. The pass book account allowed businesses to slowly build up credit.

A better way to build up business credit is to buy a CD (Certificate of Deposit) at the bank you are trying establish a reputation at and take a loan out on that CD.

Pay the CD off over a few years time and never be late in making your payments on that loan. Once your business loan is paid off you will have a better credit score to use in getting that business loan.

Also try opening up a cell phone business account using your tax id as this will assist in building business credit. Go out to mint.com and find a good low interest business credit card and apply for that as well. By having the credit card, bank loan, and cell phone account you will be establishing credit using 3 different business accounts, just don’t be late on your payments.

If you haven’t already you will need to setup an LLC which will allow you to get a tax id to establish credit on. Rather than building up credit on your personal social security number you need to build up business credit. Go out to legalzoom.com and they can automate much of the tasks involved in setting up a new Limited Liability Company. You will get a tax id that you can use to open up a business banking account.

Be sure to buy that CD and take a loan out on that CD using your business tax id number and not your social security number so that you are building business credit and not personal credit.

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Direct TV in Tyler TX

March 26th, 2010

Direct TV

Dish Tyler- Satellite TV
www.dishtylersatellitetv.com
365 South Beckham Avenue, Tyler TX
Phone: (903) 705-0425

Advanced Satellite Television
Tyler TX
Phone: (903) 939-9980

Direct Dish Satellite TV
www.dishnetwork.com
Tyler TX
Phone: (903) 597-9180

We just recently got Direct TV installed in my house. We were trying to get it installed before the supper bowl. Because we had a date that we needed it to be installed by, so we had called ahead. Everything seemed to go smoothly and we were told that they were going to install it that Friday. Friday came and we waited all day. After the eight hour period that they said they would be there we called the company. They told us one date but they had it in their system that they were going to install it the next month. We talked to one person after another. Someone would answer the phone and ask what they problem was, and then they would transfer us to another person, and then would have to explain the situation to another person. After talking to about nine different people, and about five hours on hold, they finally decided to redo my whole account.

We did not get it installed before the super bowl, which was really frustrating and pretty disappointing. They told us on the phone that they would give us a discount and that they would add things on the package that we bought. After the conversation they did not add anything nor did they take off any of the prices.

Direct TV in Tyler TX sent someone a week later. They did everything the way we wanted it done. Our order was a little complicated because we got it in three rooms and wanted three separate wires going through different windows, so that there are not so many different wires running through the house. Although the order or the way I wanted things done, was pretty complicated the man was extremely willing and he did everything that I asked for. He was extremely helpful on showing how everything should be set up and how to use and reprogram remotes and the DVR.

So even though I was extremely frustrated with the company I was happy with the installation. It was installed quickly and it was even installed in bad weather. I was happy with what I ended up getting but wished it did not take 6 hours on the phone, and I wish the delays were not a part of it.

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Texas Cuisine At A Tyler Landmark

January 8th, 2010

When visiting a new city, one of my favorite things to do is try local restaurants that serve dishes native to the area. And as someone who has lived and traveled outside my home state, I’ve been blessed with the opportunity to seek out a lot of hole in the wall places where locals congregate. This has often led me to think about our own Texan specialties. What are they, and where would I send an out of towner to sample them?

When most people think of Texas cuisine, the first thing that comes to mind is of course barbeque. One of our best, locally owned barbeque sources in Tyler Texas is Stanley’s. Located at 525 South Beckham, Stanley’s is about sixty years old, making it one of the oldest restaurants in Tyler. They serve outstanding Texas fare that has gained statewide recognition. The signature dish is a sandwich called “The Brother-in-law,” it’s packed with chopped beef, hot links and cheese. They also serve the usual forms of sliced or chopped beef brisket, pulled pork, chicken and ribs. The brisket is cooked for at least sixteen hours. Stanley’s also has an outdoor deck where they occasionally feature live music. They also offer catering services.

So the next time you have out of town guests who want to experience genuine Texas flavor and culture, consider this family owned and operated Tyler landmark instead of the usual chains. The food is outstanding and the atmosphere authentic. Located across from Trinity Mother Francis Hospital. Also see http://www.stanleyspitbbq.com

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Southside Bank in Tyler Texas

January 6th, 2010

There are a lot of banks to choose from. So why choose Southside Bank in Tyler TX?

Southside is a local bank that might just trick you. It is a small town, folksy business, but it also offers many of the benefits associated with the large national chains. Need an ATM? Southside Bank has a full range of ATM’s all around the city: 19 of them at last count. Do you need online banking? Southside does that, too, and does it well. This is no mom & pop establishment. Southside isn’t afraid to change with the times.

Southside Bank has fifteen separate Tyler Texas bank locations, and several more in Lindale and Whitehouse. While they have large locations like the main office on South Beckham or their South Broadway branch, most Southside branches are located inside of Tyler’s most popular shopping centers. Southside jumped on the “bank inside the grocery store” trend early, and it has paid off for them. They are known as the “most convenient bank in east Texas.” There is hardly a Brookshires or Albertsons within 50 miles that doesn’t boast a Southside Bank office. This was a wonderful benefit for my family. We found ourselves going to Brookshires for various items multiple times every week. And whenever we were there, we could hop in to Southside to deposit a check or pull out some cash. No separate stops were necessary![ad#large-blog-block]

My wife and I had multiple accounts with Southside Bank for years in Tyler, and we were always satisfied. It was not easy to get an account set up since we were coming in from out of state. That is the obvious downside of doing business with a local bank. National chains like US Bank and Bank of America have branches all over the nation, so starting out of state accounts or transferring money is never a problem. But once we did get our accounts set up with them, we were very satisfied. Did they make the typical small town mistakes? Yes, occasionally. They have their share of clerical errors, but whether they have more than a typical national bank is debatable. Any teller can hit a wrong key by mistake. But whenever those things came up, the tellers or bankers always worked quickly and apologetically to remedy the situation.

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And that might be the best reason of all to choose Southside Bank: quality customer service. The men and women of Southside are always courteous and professional. They seemed to enjoy their work, and that is probably why they consistently did a good job.

If you are looking for a new bank to handle your checking accounts, business expenses, home loans, etc, Southside Bank of Tyler Texas can handle it. They may be small, but they are able.

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