Quad City Bank and Trust Company

This is a commercial bank that offers SBA loan programs to small businesses, providing financing solutions for growth, equipment, and working capital needs. They focus on personalized service and guiding clients through the SBA loan process to secure funding successfully.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It's advisable to call ahead to confirm hours or schedule an appointment outside regular hours if needed.

There are no fees for initial consultations; however, standard loan fees and closing costs apply depending on the financing arrangement. Fees are disclosed upfront during the application process.

This bank primarily serves small business owners and residents within its regional service area. Eligibility depends on meeting loan criteria and business qualifications.

A minimum personal credit score of 650 is generally preferred, but higher scores improve the chances of approval and favorable terms.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation provided.

Most banks keep weekday business hours and are closed on weekends, and Quad City 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 Quad City Bank and Trust Company to confirm current weekend availability before you go.

Quad City Bank and Trust Company is located in Iowa — 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.

This page is an independent directory listing for Quad City Bank and Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Quad City Bank and Trust Company itself, which runs its own lending under its own ownership. If you work at Quad City Bank and Trust Company, you can claim this listing from this page to manage it.

The core details for Quad City 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 Quad City Bank and Trust Company before applying. If you represent Quad City Bank and Trust Company, claim this listing to keep its information up to date.

You can reach Quad City Bank and Trust Company by phone at (563) 388-7228 or online at qcbt.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 Quad City Bank and Trust Company before relying on them.

Based on its approved SBA loans, Quad City Bank and Trust Company most often finances businesses in construction & contractors, general retail, restaurants & food service, manufacturing, and medical practices & clinics. This reflects Quad City 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 Quad City Bank and Trust Company which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Quad City Bank and Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact Quad City Bank and Trust Company and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Quad City Bank and Trust Company holds Preferred Lender Program status, allowing them to underwrite and approve SBA loans efficiently without sending each loan to the SBA for approval. Please confirm current PLP status directly with the bank.

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. Quad City 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 Quad City Bank and Trust Company directly whether it considers start-up loans.

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 Quad City Bank and Trust Company what down payment it expects for your specific commercial real estate purchase.

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 Quad City Bank and Trust Company to spell out any prepayment penalties before you sign.

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 Quad City Bank and Trust Company to confirm it qualifies and how to document it.

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. Quad City Bank and Trust Company weighs this case by case under its own policy, so be upfront about your history and ask Quad City Bank and Trust Company how it evaluates prior bankruptcies.