Hendricks County Bank and Trust Company
Hendricks County Bank and Trust Company is an active SBA lender in Indiana, a bank offering SBA-guaranteed small-business loans. Currently rated 3.8 stars across 14 Google reviews.
$13M
in SBA approvals since 2010
58
SBA loans funded
Restaurants & Food Service · Real Estate & Property Management · Construction & Contractors
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Hendricks County Bank and Trust Company
Hendricks County 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 personalized service, they assist clients in navigating SBA loan programs, including the popular 7(a) program, to secure funding up to $100,000. Their team is dedicated to providing flexible financing options, competitive rates, and expert guidance throughout the loan process. Located in Brownsburg, Indiana, this bank emphasizes building strong community relationships while supporting local entrepreneurs and business owners. They understand the unique challenges faced by small businesses and strive to deliver solutions that foster long-term success. Whether you're starting a new venture or expanding an existing business, Hendricks County Bank and Trust Company is committed to helping you achieve your financial goals with tailored SBA loan products.
Industries Hendricks County Bank and Trust Company finances
Business types Hendricks County Bank and Trust Company actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Hendricks County Bank and Trust Company
What is this place and what can I find here?
This is a community-focused bank offering SBA loan programs and financial services tailored for small businesses in Brownsburg, Indiana. You can find assistance with SBA 7(a) loans, personalized banking solutions, and expert guidance to help grow your business.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-ins are also welcome during business hours for general inquiries.
What are the hours of operation?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment on request.
Is there a fee to use this?
There are no fees for initial consultations; however, standard SBA loan fees and interest rates apply during the lending process.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and entrepreneurs in Brownsburg and the surrounding Indiana region, but they welcome inquiries from all qualified applicants.
What minimum personal credit score does this bank look for in a guarantor?
Typically, a minimum personal credit score of 650 is preferred, though higher scores improve the likelihood of approval.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 30 to 45 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Hendricks County 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 Hendricks County Bank and Trust Company to confirm current weekend availability before you go.
How do I get there and where do I park?
Hendricks County Bank and Trust Company is located in Indiana — 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 Hendricks County Bank and Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Hendricks County Bank and Trust Company itself, which runs its own lending under its own ownership. If you work at Hendricks County 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 Hendricks County 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 Hendricks County Bank and Trust Company before applying. If you represent Hendricks County Bank and Trust Company, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Hendricks County Bank and Trust Company by phone at (317) 852-2268 or online at hcbt.bank — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Hendricks County Bank and Trust Company before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Hendricks County Bank and Trust Company most often finances businesses in restaurants & food service, fitness & recreation, and construction & contractors. This reflects Hendricks County Bank and Trust Company's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Hendricks County Bank and Trust Company which sectors 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 Hendricks County Bank and Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact Hendricks County 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. Hendricks County 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. Hendricks County 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 Hendricks County 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 Hendricks County 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 Hendricks County 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 Hendricks County 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. Hendricks County Bank and Trust Company weighs this case by case under its own policy, so be upfront about your history and ask Hendricks County Bank and Trust Company how it evaluates prior bankruptcies.
