Town and Country CU

This is a local bank offering SBA loan programs and business financing solutions designed to support small businesses in Minot, ND. You can find personalized service, expert guidance, and flexible loan options to help grow your business.

Ask Town and Country CU directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check Town and Country CU's website or call before you visit.

Browsing this directory is free. Any loan fees are set by Town and Country CU and the SBA program — ask the lender for its current schedule.

This bank primarily serves residents and small business owners in Minot and the surrounding areas, with a focus on local economic development.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask Town and Country CU what it looks for today.

The underwriting process generally takes between 2 to 4 weeks, depending on the completeness of the application and documentation provided.

Most bank SBA teams work weekdays; confirm with Town and Country CU before planning a weekend visit.

Town and Country CU is located in North Dakota — see the contact card for the full address. Most credit union 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 Town and Country CU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Town and Country CU itself, which runs its own lending under its own ownership. If you work at Town and Country CU, you can claim this listing from this page to manage it.

The core details for Town and Country CU — 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 Town and Country CU before applying. If you represent Town and Country CU, claim this listing to keep its information up to date.

You can reach Town and Country CU by phone at (701) 852-2018 or online at www.townandcountry.org/minot-main — the same details are in the contact card on this page.

Based on its approved SBA loans, Town and Country CU most often finances businesses in construction & contractors, general retail, restaurants & food service, transportation & trucking, bars & nightlife, and medical practices & clinics. This reflects Town and Country CU'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 Town and Country CU 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 Town and Country CU participates in SBA Express depends on its specific SBA lending authority. Contact Town and Country CU and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether Town and Country CU has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

Town and Country CU offers Business Start-Up Loans through their commercial lending programs, indicating startup companies are eligible for financing; contact their team for specific startup requirements.

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 Town and Country CU 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 Town and Country CU 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 Town and Country CU 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. Town and Country CU weighs this case by case under its own policy, so be upfront about your history and ask Town and Country CU how it evaluates prior bankruptcies.