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Farmers Bank & Trust

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Description

Farmers Bank & Trust offers comprehensive SBA financing options tailored to small businesses seeking growth capital or working capital solutions. With a focus on supporting local entrepreneurs, the bank provides SBA 7(a) loans that help fund various business needs, including equipment purchases, real estate, and operational expenses. Their experienced lending team guides clients through the application process, ensuring a smooth experience from start to finish. The bank is committed to fostering economic development within the community by providing flexible loan terms and personalized service. Whether you’re a startup or an established business, Farmers Bank & Trust aims to meet your financial needs with competitive rates and dedicated support.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.7
Google Review Count
3
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank offering SBA loan programs to help small businesses grow and succeed. You can find information about financing options, application support, and community development resources here.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to meet with a lender, but walk-ins are also welcome during business hours for general inquiries.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 8:30 AM to 5:00 PM. Appointments outside these hours can be arranged upon request.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for initial consultations; however, standard loan application and closing fees may apply depending on the financing terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners within the community and surrounding regions, focusing on local entrepreneurs.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 620 is generally required to qualify for SBA loans.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and supporting documents.
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