Cumberland Valley National Bank and Trust Company
Cumberland Valley National Bank and Trust Company is an active SBA lender in Kentucky, a bank offering SBA-guaranteed small-business loans. Currently rated 3.4 stars across 12 Google reviews.
About Cumberland Valley National Bank and Trust Company
Cumberland Valley National Bank and Trust Company offers comprehensive SBA loan programs tailored to support small businesses in their growth and development. With a focus on providing flexible financing options, this bank specializes in SBA 7(a) loans, helping entrepreneurs secure funding for various needs such as working capital, equipment, and expansion projects. Located in London, KY, the bank is committed to serving local businesses with personalized service and competitive terms. Their experienced lending team guides clients through the application process, ensuring a smooth experience from start to finish. Whether you're a startup or an established business, Cumberland Valley National Bank and Trust Company strives to meet your financial needs with tailored solutions and responsive support. Their expertise in SBA lending makes them a reliable partner for small business owners seeking accessible and affordable financing options.
Common questions about Cumberland Valley National Bank and Trust Company
What is this place and what can I find here?
This is a local bank offering SBA loan programs and small business financing options to support entrepreneurs and small business owners in the Kentucky region.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to meet with a lending specialist, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
The bank's typical hours are Monday through Friday, 9:00 AM to 5:00 PM, but it's best to call ahead for specific appointment times.
Is there a fee to use this?
There are no fees for simply visiting or consulting; fees may apply for loan processing and closing costs related to SBA financing.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and small business owners within the Kentucky region, though some services may be available to out-of-area clients.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 650 is generally preferred for SBA loan guarantors.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the completeness of your application and documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Cumberland Valley National Bank and Trust Company 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 Cumberland Valley National Bank and Trust Company to confirm current weekend availability before you go.
How do I get there and where do I park?
Cumberland Valley National Bank and Trust Company 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.
Who owns or operates this listing?
This page is an independent directory listing for Cumberland Valley National Bank and Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Cumberland Valley National Bank and Trust Company itself, which runs its own lending under its own ownership. If you work at Cumberland Valley National Bank and Trust Company, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Cumberland Valley National Bank and Trust Company — 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 Cumberland Valley National Bank and Trust Company before applying. If you represent Cumberland Valley National Bank and Trust Company, claim this listing to keep its information up to date.
How do I contact this listing directly?
Contact Cumberland Valley National Bank and Trust Company at (606) 878-7010 or via their online contact form at cvnb.com/contact-us. Confirm specific availability for SBA loan inquiries when you reach out.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Cumberland Valley National Bank and Trust Company 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 Cumberland Valley National Bank and Trust Company 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 Cumberland Valley National Bank and Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact Cumberland Valley National Bank and Trust Company 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. Cumberland Valley National Bank and Trust Company 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. Cumberland Valley National Bank and Trust Company's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Cumberland Valley National Bank and Trust Company 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 Cumberland Valley National Bank and Trust Company 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 Cumberland Valley National Bank and Trust Company 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 Cumberland Valley National Bank and Trust Company 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. Cumberland Valley National Bank and Trust Company weighs this case by case under its own policy, so be upfront about your history and ask Cumberland Valley National Bank and Trust Company how it evaluates prior bankruptcies.
