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United Bank & Trust

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Description

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.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.2
Google Review Count
5
Question 1
What is this place and what can I find here?
Answer 1
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.
Question 2
Do I need an appointment or can I walk in?
Answer 2
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.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment or during special outreach events.
Question 4
Is there a fee to use this?
Answer 4
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.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
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.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 650 is generally preferred, though higher scores can improve approval chances and loan terms.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
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