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Iowa Trust & Savings Bank

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Description

Offering comprehensive SBA lending services, this commercial bank specializes in supporting small businesses with various financing options. They provide tailored loan programs designed to meet the needs of entrepreneurs, including SBA 7(a) loans, which are ideal for working capital, equipment, and expansion projects. With a focus on personalized service, they assist clients through every step of the loan process, ensuring clarity and efficiency. Their expertise extends to supporting businesses in diverse industries, helping them access capital that fuels growth and stability. The bank’s experienced team is committed to fostering strong relationships with local businesses and providing flexible lending solutions to meet unique needs.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.7
Google Review Count
7
Question 1
What is this place and what can I find here?
Answer 1
This is a commercial bank that offers SBA loan programs to small businesses, helping them secure financing for growth and operations. You can find information about loan options, application processes, and support services tailored to entrepreneurs" needs.
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.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 9:00 AM to 4:00 PM, Monday through Friday. It"s best to contact them directly for specific hours or to schedule an appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access the bank"s basic services, but loan applications and processing may involve certain fees depending on the loan program and amount.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and small business owners within the region, 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 typically required, though higher scores may improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
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