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Hills Bank and Trust Company

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Description

Hills Bank and Trust Company offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, equipment, or working capital. With a focus on personalized service, the bank provides a range of loan options, including SBA 7(a) loans, to help entrepreneurs achieve their business goals. Located in HILLS, IA, this institution is committed to supporting local economic development and fostering business success through flexible financing solutions. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Whether you’re a startup or an established business, Hills Bank and Trust Company is dedicated to helping you secure the funding you need to thrive in today’s competitive market. The bank leverages its strong community ties and financial expertise to deliver tailored loan programs that meet diverse business needs, emphasizing customer satisfaction and sustainable growth.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.6
Google Review Count
17
Question 1
What is this place and what can I find here?
Answer 1
This is Hills Bank and Trust Company, a community-focused bank offering SBA loan programs, personal banking, and financial services tailored to small businesses and local residents.
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 officer, 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 8:30 AM to 4:30 PM, with extended hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for visiting the bank; however, specific loan processing fees may apply depending on the service used.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small business owners within its regional community, but some services are available to non-residents upon qualification.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 is generally preferred for loan approval, though other factors are also considered.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 2 to 4 weeks, depending on the completeness of the application and documentation provided.
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