Gibsland Bank & Trust Company
Gibsland Bank & Trust Company is an active SBA lender in the United States, a bank offering SBA-guaranteed small-business loans. Currently rated 2.8 stars across 12 Google reviews.
$106M
in SBA approvals since 2010
169
SBA loans funded
General Retail · Construction & Contractors · Manufacturing
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Gibsland Bank & Trust Company
Gibsland Bank & Trust Company offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, the bank provides various loan options including SBA 7(a) loans, which are ideal for business acquisitions, working capital, and equipment financing. The bank's experienced team guides clients through the application process, ensuring clarity and support at every step. Located in Gibsland, Louisiana, this institution prides itself on community involvement and a strong understanding of local business needs. Their SBA program history highlights a solid track record of successful approvals, with a largest recorded approval amount of $137,600, demonstrating their capacity to support diverse business projects. Whether you're a startup or an established business, Gibsland Bank & Trust Company is committed to helping you access the capital necessary to achieve your goals.
Common questions about Gibsland Bank & Trust Company
What is this place and what can I find here?
This is Gibsland Bank & Trust Company, a community bank offering SBA loan options and personalized financial services to support local businesses in GIBSLAND, Louisiana.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.
What are the hours of operation?
The bank operates from 8:30 AM to 4:30 PM, Monday through Friday.
Is there a fee to use this?
There may be application and closing fees associated with SBA loans, but the bank provides clear information upfront.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and businesses in the GIBSLAND area, but also offers services to nearby communities.
What minimum personal credit score does this bank look for in a guarantor?
A minimum credit score of 620 is generally preferred for guarantors applying for SBA loans.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Gibsland Bank & 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 Gibsland Bank & Trust Company to confirm current weekend availability before you go.
How do I get there and where do I park?
Gibsland Bank & Trust Company is located at the address listed on this page — 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 Gibsland Bank & Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Gibsland Bank & Trust Company itself, which runs its own lending under its own ownership. If you work at Gibsland Bank & 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 Gibsland Bank & 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 Gibsland Bank & Trust Company before applying. If you represent Gibsland Bank & Trust Company, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Gibsland Bank & Trust Company by phone at (318) 843-6228, or submit an inquiry through their contact form at gbt.bank/contact-us/ — please confirm details with the bank.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Gibsland Bank & 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 Gibsland Bank & 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 Gibsland Bank & Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact Gibsland Bank & 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. Gibsland Bank & 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. Gibsland Bank & Trust Company's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Gibsland Bank & 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 Gibsland Bank & 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 Gibsland Bank & 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 Gibsland Bank & 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. Gibsland Bank & Trust Company weighs this case by case under its own policy, so be upfront about your history and ask Gibsland Bank & Trust Company how it evaluates prior bankruptcies.