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First National Bank and Trust

First National Bank and Trust
First National Bank and Trust

Description

First National Bank and Trust offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financial support for growth, working capital, or acquisition needs. With a focus on personalized service, the bank provides SBA 7(a) loans, which are ideal for a variety of business purposes including equipment purchase, real estate, and refinancing. Their experienced team guides clients through the application process, ensuring clarity and efficiency. The bank’s strong approval record, with approvals up to $481,900, demonstrates their commitment to supporting local businesses. Located in Phillipsburg, Kansas, they serve a broad geographic area with an emphasis on regional economic development. The bank emphasizes flexible lending options, competitive terms, and a customer-first approach to help businesses succeed and expand in their markets.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.7
Google Review Count
6
Question 1
What is this place and what can I find here?
Answer 1
This is a local SBA lender offering small business loans and financial services to support business growth and development in the region.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated service, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
Typically, the bank operates Monday through Friday from 9:00 AM to 5:00 PM, but it"s best to contact them directly for specific hours.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or inquire; however, loan processing and application fees may apply depending on the loan terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This lender primarily serves local small businesses and regional clients, but eligibility depends on meeting specific loan criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is generally preferred, but higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
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