United Bank & Trust
United Bank & Trust 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.
About United Bank & Trust
United Bank & Trust offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financial growth and stability. With a focus on supporting local enterprises, this bank provides a range of loan options including SBA 7(a) loans, which are ideal for various business needs such as working capital, equipment purchase, or real estate acquisition. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. The bank's commitment to personalized service helps entrepreneurs secure the funding they need to expand operations, purchase inventory, or refinance existing debt. Located in Marysville, Kansas, they serve the local business community with a strong understanding of regional market dynamics. Their SBA program history indicates a solid track record of supporting small business growth through SBA 7(a) loans, with approval amounts reaching up to $2,385,000. Whether you're a startup or an established business, United Bank & Trust aims to be a reliable partner in your financial journey, offering flexible terms and dedicated support to meet your unique needs.
Common questions about United Bank & Trust
What is this place and what can I find here?
This is a local bank offering SBA loan programs designed to help small and medium-sized businesses secure funding for growth and operational needs. You can find personalized financial solutions, expert guidance, and support throughout the loan process.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours for initial inquiries.
What are the hours of operation?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment or during special outreach events.
Is there a fee to use this?
There are no fees to inquire about or apply for SBA loans; however, standard loan-related fees such as guarantee fees and closing costs may apply depending on the loan terms.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and businesses within the region, but eligibility for SBA loans can extend beyond local residents based on the business's qualifications and loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 650 is generally preferred, though higher scores can improve approval chances and loan terms.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and United 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 United Bank & Trust to confirm current weekend availability before you go.
How do I get there and where do I park?
United 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.
Who owns or operates this listing?
This page is an independent directory listing for United Bank & Trust, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by United Bank & Trust itself, which runs its own lending under its own ownership. If you work at United Bank & Trust, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for United 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 United Bank & Trust before applying. If you represent United Bank & Trust, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach United Bank & Trust by phone at (785) 562-2333, online at ubankonline.com, or through their contact form at ubankonline.com/contact-us.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, United 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 United Bank & Trust 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 United Bank & Trust participates in SBA Express depends on its specific SBA lending authority. Contact United Bank & Trust 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. United Bank & Trust 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. United Bank & Trust's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask United Bank & Trust 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 United Bank & Trust 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 United Bank & Trust 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 United Bank & Trust 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. United Bank & Trust weighs this case by case under its own policy, so be upfront about your history and ask United Bank & Trust how it evaluates prior bankruptcies.