Two Rivers Bank & Trust

This is a local bank offering SBA loan programs and small business financing solutions. You can find personalized support and guidance for your business growth needs here.

It is recommended to schedule an appointment to ensure dedicated time with a banker, but walk-ins are also welcome during business hours.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.

There are no fees to visit the bank; however, loan application and processing fees may apply depending on the financing product.

This bank primarily serves residents and small businesses in the Burlington, IA area, but they may consider out-of-area applications on a case-by-case basis.

A minimum personal credit score of 620 is generally required for loan eligibility.

The underwriting process typically takes 2 to 4 weeks, depending on the completeness of your application and documentation.

Most banks keep weekday business hours and are closed on weekends, and Two Rivers Bank & Trust 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 Two Rivers Bank & Trust to confirm current weekend availability before you go.

Two Rivers Bank & Trust 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.

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

The core details for Two Rivers Bank & Trust — 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 Two Rivers Bank & Trust before applying. If you represent Two Rivers Bank & Trust, claim this listing to keep its information up to date.

You can reach Two Rivers Bank & Trust by phone at (319) 753-9100 or online at tworivers.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 Two Rivers Bank & Trust before relying on them.

Like most SBA lenders, Two Rivers Bank & Trust 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 Two Rivers Bank & Trust directly which industries 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 Two Rivers Bank & Trust participates in SBA Express depends on its specific SBA lending authority. Contact Two Rivers Bank & Trust and ask if it offers SBA Express and what the current limits and terms look like for your situation.

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. Two Rivers Bank & Trust can confirm its current PLP standing — ask before you apply if speed matters to you.

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. Two Rivers Bank & Trust's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Two Rivers Bank & Trust 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 Two Rivers Bank & Trust 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 Two Rivers Bank & Trust 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 Two Rivers Bank & Trust 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. Two Rivers Bank & Trust weighs this case by case under its own policy, so be upfront about your history and ask Two Rivers Bank & Trust how it evaluates prior bankruptcies.