Community Financial Services Bank

This is a community-focused bank offering SBA loan programs and financial services tailored for small businesses seeking growth capital and support.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

The bank operates from 9 AM to 5 PM, Monday through Friday, with special hours by appointment on weekends.

There are no fees for accessing basic banking services; loan application fees may apply depending on the specific financing arrangement.

This bank primarily serves local residents and small business owners within the region but welcomes qualified applicants from broader areas for SBA loans.

Typically, a personal credit score of 640 or higher is preferred for guarantors, though this can vary based on the loan type and applicant profile.

The underwriting process generally takes between 30 to 45 days, depending on the completeness of documentation and loan complexity.

Most banks keep weekday business hours and are closed on weekends, and Community Financial Services Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Community Financial Services Bank to confirm current weekend availability before you go.

Community Financial Services Bank is located in Kentucky — 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.

This page is an independent directory listing for Community Financial Services Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Community Financial Services Bank itself, which runs its own lending under its own ownership. If you work at Community Financial Services Bank, you can claim this listing from this page to manage it.

The core details for Community Financial Services 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 Financial Services Bank before applying. If you represent Community Financial Services Bank, claim this listing to keep its information up to date.

You can reach Community Financial Services Bank by phone at (888) 226-5669 or online at cfsbky.com — 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 Financial Services Bank before relying on them.

Like most SBA lenders, Community Financial Services 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 Financial Services Bank directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Community Financial Services Bank participates in SBA Express depends on its specific SBA lending authority. Contact Community Financial Services Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

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 Financial Services Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

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 Financial Services Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Community Financial Services Bank directly whether it considers start-up loans.

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 Financial Services Bank what down payment it expects for your specific commercial real estate purchase.

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 Financial Services Bank to spell out any prepayment penalties before you sign.

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 Financial Services Bank to confirm it qualifies and how to document it.

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 Financial Services Bank weighs this case by case under its own policy, so be upfront about your history and ask Community Financial Services Bank how it evaluates prior bankruptcies.