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Town & Country Bank and Trust Company

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Description

Town & Country Bank and Trust Company offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on serving the local community, this bank provides various loan options, including SBA 7(a) loans, to help entrepreneurs access capital efficiently. Their experienced team guides clients through the application process, ensuring clarity and support at every step. Whether you’re looking to purchase equipment, real estate, or manage working capital, this bank’s SBA programs are designed to facilitate your business goals. They emphasize personalized service and understanding of local market dynamics, making them a trusted partner for small business owners in the region. The bank’s commitment to fostering economic development is evident in their tailored lending solutions and dedication to customer success. Their expertise in SBA lending makes them a reliable choice for entrepreneurs seeking flexible financing options to grow their businesses.

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Q&A

Lender Type
Commercial Bank
Google Rating
2.6
Google Review Count
14
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that offers SBA loan programs to support small businesses with financing options for growth, expansion, and operational needs. You can find personalized assistance and guidance through the loan application process, making it easier to access capital for your business goals.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 4:30 PM. It"s advisable to confirm hours before visiting, as they may vary on holidays or special occasions.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for simply visiting or consulting; however, loan application and processing fees may apply depending on the specific financing arrangement. These fees are disclosed upfront during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small business owners within the region, but they welcome inquiries from prospective clients who meet their lending criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 or higher is generally preferred, though other factors are also considered during the approval process.
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 loan and completeness of submitted documentation.
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