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FandM Bank and Trust Company

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Description

FandM Bank and Trust Company offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on facilitating access to capital, this bank provides various SBA loan programs, including the popular 7(a) loan program, to help entrepreneurs achieve their business goals. Located in Hannibal, Missouri, the bank has a strong local presence and a commitment to supporting regional economic development. Their experienced lending team guides clients through the application process, ensuring clarity and efficiency from start to finish. Whether you’re looking for funding for equipment, working capital, or real estate, FandM Bank and Trust Company offers flexible solutions designed to meet diverse business needs. The bank’s expertise in SBA lending helps small businesses navigate the complexities of loan approval, providing personalized service and competitive terms. Their dedication to community growth makes them a trusted partner for local entrepreneurs and established companies alike.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.3
Google Review Count
16
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that provides SBA loan programs and financial services tailored to small businesses, helping entrepreneurs secure funding for growth and expansion.
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 lending specialist, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday, but it"s best to contact them directly for specific hours.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for inquiries or consultations; however, loan fees and interest rates vary depending on the specific SBA loan product.
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 region, but eligibility for SBA loans is based on business criteria rather than residency alone.
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.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 30 to 60 days, depending on the complexity of the loan and completeness of the application.
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