Community Bank
Community Bank is an active SBA lender in Kansas, a bank offering SBA-guaranteed small-business loans. Currently rated 3.6 stars across 17 Google reviews.
$74M
in SBA approvals since 2010
211
SBA loans funded
Restaurants & Food Service · General Retail · Medical Practices & Clinics
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Community Bank
Community Bank offers comprehensive SBA lending solutions tailored to meet the needs of small to medium-sized businesses. With a focus on supporting local entrepreneurs, the bank provides various loan programs including the popular SBA 7(a) loan, which helps businesses access capital for growth, working capital, or acquisition. Their experienced team is dedicated to guiding clients through the application process, ensuring they understand the requirements and benefits of each loan type. Located in Topeka, Kansas, the bank emphasizes personalized service and flexible financing options to foster business development in the region. They support a wide range of industries, with particular strength in professional services and manufacturing sectors. The bank's lending team works closely with clients to customize loan packages that align with their strategic goals, offering competitive rates and terms. Whether you're a startup or an established business, Community Bank aims to facilitate your growth ambitions with timely approvals and dedicated support.
Common questions about Community Bank
What is this place and what can I find here?
This is Community Bank in Topeka, Kansas, offering SBA loan programs and financial services tailored for small and medium-sized businesses seeking growth capital.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours.
What are the hours of operation?
Community Bank's lobby hours are 9:00 AM to 6:00 PM Monday through Friday, with drive-up service from 8:00 AM to 6:00 PM. Please confirm these hours directly with the bank.
Is there a fee to use this?
Yes, fees may apply depending on the loan type and amount, including application and closing fees.
Who is this open to — anyone, or only residents/members?
This service is primarily available to local small businesses and residents within the bank's regional service area.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required.
How long does the traditional underwriting process take from start to close?
The process typically takes between 30 to 60 days, depending on the complexity of the application.
Is this open on weekends?
Community Bank is open on Saturdays from 9:00 AM to 12:00 PM for both lobby and drive-up service. Please confirm with the bank for any holiday closures.
How do I get there and where do I park?
Community Bank is located in Kansas — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for Community Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Community Bank itself, which runs its own lending under its own ownership. If you work at Community Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Community Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Community Bank before applying. If you represent Community Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Community Bank by phone at (785) 440-4400 or online at cbtopeka.bank — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Community Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Community Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Community Bank directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Community Bank participates in SBA Express depends on its specific SBA lending authority. Contact Community Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Community Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Community Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Community Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Community Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Community Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Community Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Community Bank weighs this case by case under its own policy, so be upfront about your history and ask Community Bank how it evaluates prior bankruptcies.
