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First National Bank & Trust Co

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Description

First National Bank & Trust Co offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on the local community of Iron Mountain, this bank provides a range of SBA loan options, including 7(a) loans, to help entrepreneurs access the capital they need. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. The bank specializes in supporting small businesses across various industries, with particular strength in retail and service sectors. Whether you’re looking to purchase equipment, finance real estate, or manage working capital, First National Bank & Trust Co is committed to helping local businesses thrive. Their dedicated SBA lending division offers personalized service, competitive rates, and flexible terms to meet diverse business needs. Located at 233 S Stephenson Ave, they serve the Iron Mountain community with a focus on fostering economic growth and entrepreneurship. The bank’s expertise in SBA programs makes them a trusted partner for small business owners seeking reliable financing solutions.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.5
Google Review Count
29
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank offering SBA loan options and financial services tailored to small businesses in the Iron Mountain area. You can find expert guidance and personalized support to help your business grow and succeed.
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 loan specialist, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM. It"s best to call ahead for specific appointment times or after-hours services.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or consult with the bank; however, loan products may have associated interest rates and fees which will be discussed during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small business owners within the Iron Mountain community and surrounding areas.
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, but specific requirements may vary based on the loan type and borrower profile.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of the application and supporting documents.
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