Manufacturers Bank & Trust Company
Manufacturers Bank & Trust Company is an active SBA lender in the United States, a bank offering SBA-guaranteed small-business loans. Currently rated 4.2 stars across 5 Google reviews.
$22M
in SBA approvals since 2010
60
SBA loans funded
Manufacturing · Construction & Contractors · Hotels & Lodging
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Manufacturers Bank & Trust Company
Manufacturers Bank & Trust Company offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth and development. With a focus on small business needs, this bank provides various loan options, including the SBA 7(a) program, to help fund expansion, equipment purchases, and working capital. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located in Forest City, IA, they serve local entrepreneurs and businesses across the region, emphasizing personalized service and flexible financing solutions. Whether you're a startup or an established enterprise, Manufacturers Bank & Trust Company is committed to supporting your business goals with competitive rates and dedicated support. Their expertise in SBA lending makes them a reliable partner for business owners looking to access government-backed loans that offer favorable terms and lower down payment requirements. They understand the nuances of small business financing and tailor their offerings to meet diverse industry needs, especially in sectors like manufacturing, retail, and services. This bank also provides guidance on eligibility, documentation, and repayment options, making the borrowing process straightforward and transparent. If you're considering SBA financing, Manufacturers Bank & Trust Company is equipped to help you navigate the complexities and secure the funding necessary for your business success.
Common questions about Manufacturers Bank & Trust Company
What is this place and what can I find here?
This is a bank that offers SBA loan programs and business financing solutions designed to help small and medium-sized businesses grow and succeed. You can find personalized support, loan options, and guidance tailored to your business needs.
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 for general inquiries.
What are the hours of operation?
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It's best to call ahead to confirm availability or schedule an appointment.
Is there a fee to use this?
There are no fees to visit or inquire; however, specific loan products may have associated fees which will be disclosed during the application process.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local small businesses and residents in the region, but they welcome inquiries from eligible businesses seeking SBA financing.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required for SBA loan eligibility, though higher scores improve approval chances.
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 your application and documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Manufacturers 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 Manufacturers Bank & Trust Company to confirm current weekend availability before you go.
How do I get there and where do I park?
Manufacturers 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 Manufacturers Bank & Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Manufacturers Bank & Trust Company itself, which runs its own lending under its own ownership. If you work at Manufacturers 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 Manufacturers 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 Manufacturers Bank & Trust Company before applying. If you represent Manufacturers Bank & Trust Company, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Manufacturers Bank & Trust Company by phone at (641) 585-2825 or online at mbtbank.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 Manufacturers Bank & Trust Company before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Manufacturers 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 Manufacturers 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 Manufacturers Bank & Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact Manufacturers 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. Manufacturers 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. Manufacturers Bank & Trust Company's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Manufacturers 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 Manufacturers 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 Manufacturers 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 Manufacturers 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. Manufacturers Bank & Trust Company weighs this case by case under its own policy, so be upfront about your history and ask Manufacturers Bank & Trust Company how it evaluates prior bankruptcies.