The Vinton County National Bank
The Vinton County National Bank is an active SBA lender in Ohio, a bank offering SBA-guaranteed small-business loans. Currently rated 3.2 stars across 43 Google reviews.
$12M
in SBA approvals since 2010
21
SBA loans funded
Restaurants & Food Service · Transportation & Trucking · General Retail
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About The Vinton County National Bank
The Vinton County National Bank offers comprehensive SBA lending services tailored for small businesses seeking financial support. Whether you're looking for working capital, equipment financing, or real estate loans, this bank provides a range of options to meet your needs. Their experienced team guides clients through the SBA 7(a) loan process, ensuring a smooth application and approval experience. Located in Mcarthur, Ohio, the bank is committed to supporting local entrepreneurs and businesses with personalized service and competitive rates. With a focus on community development, they help small businesses grow and thrive by providing flexible financing solutions. The bank's expertise in SBA programs makes it a reliable partner for business owners seeking to expand or stabilize their operations. They also offer guidance on loan eligibility, application procedures, and repayment terms, making the process accessible and straightforward for small business owners. The Vinton County National Bank prides itself on fostering economic growth within the region and maintaining strong relationships with its clients, ensuring they receive the support needed to succeed.
Industries The Vinton County National Bank finances
Business types The Vinton County National Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about The Vinton County National Bank
What is this place and what can I find here?
This is a community-focused bank offering SBA loan programs, business financing, and personalized banking services to support small business growth in the Mcarthur area.
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 Vinton County National Bank's McArthur branch is open Monday–Thursday 8:30 am–5:00 pm, Friday 8:30 am–6:00 pm, and Saturday 8:30 am–12:00 pm; closed Sundays. Please confirm these hours with the bank.
Is there a fee to use this?
There are no fees for visiting the bank; however, loan application and processing fees may apply depending on the service.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small business owners within the local community and surrounding areas.
What minimum personal credit score does this bank look for in a guarantor?
Typically, a minimum personal credit score of 640 is preferred, but this can vary based on the loan and applicant profile.
How long does the traditional underwriting process take from start to close?
The underwriting process usually takes between 30 to 60 days, depending on the complexity of the loan and completeness of application materials.
Is this open on weekends?
The Vinton County National Bank's McArthur branch is open Saturday 8:30 am–12:00 pm with a 24-hour ATM; closed Sundays. Confirm holiday closures with the bank.
How do I get there and where do I park?
The Vinton County National Bank is located in Ohio — 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 The Vinton County National Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Vinton County National Bank itself, which runs its own lending under its own ownership. If you work at The Vinton County National Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for The Vinton County National Bank — 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 The Vinton County National Bank before applying. If you represent The Vinton County National Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach The Vinton County National Bank by phone at (740) 596-2525 or online at vcnbfamily.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 The Vinton County National Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, The Vinton County National Bank most often finances businesses in restaurants & food service. This reflects The Vinton County National Bank'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 The Vinton County National Bank 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 The Vinton County National Bank participates in SBA Express depends on its specific SBA lending authority. Contact The Vinton County National Bank 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. The Vinton County National Bank 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. The Vinton County National Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Vinton County National Bank 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 The Vinton County National Bank 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 The Vinton County National Bank 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 The Vinton County National Bank 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. The Vinton County National Bank weighs this case by case under its own policy, so be upfront about your history and ask The Vinton County National Bank how it evaluates prior bankruptcies.
