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Community Trust Bank, Inc.

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Description

Community Trust Bank, Inc. offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and development. With a focus on the KY region, the bank provides various loan options including SBA 7(a) loans, which are ideal for working capital, equipment purchases, and expansion projects. Their experienced lending team works closely with clients to understand their needs and guide them through the application process, ensuring a smooth experience from start to finish. The bank is committed to supporting local entrepreneurs and small business owners by providing flexible financing solutions that align with their goals and capabilities. Whether you’re looking to acquire real estate, purchase inventory, or fund operational costs, Community Trust Bank, Inc. is dedicated to helping your business succeed with personalized service and competitive terms. Their expertise in SBA lending makes them a reliable partner for small businesses across Pikeville and beyond, fostering economic growth and community development.

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Q&A

Lender Type
Commercial Bank
Google Rating
2.9
Google Review Count
18
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA loan programs and banking services tailored to small businesses in the Pikeville area, helping entrepreneurs secure funding for growth and expansion.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to meet with a lending specialist, but walk-in consultations may also be available depending on branch hours and staff availability.
Question 3
What are the hours of operation?
Answer 3
The bank"s typical hours are Monday through Friday from 9:00 AM to 5:00 PM, but it is best to check with the local branch for specific hours and appointment availability.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for just visiting or consulting; however, loan processing and application fees may apply depending on the specific financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and entrepreneurs within the Pikeville region, but eligibility for loans depends on creditworthiness and business qualifications.
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 generally preferred, though higher scores improve approval chances and loan terms.
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 the application.
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