Barrington Bank & Trust Company, National Association
Barrington Bank & Trust Company, National Association is an active SBA lender in the United States, a bank offering SBA-guaranteed small-business loans. Currently rated 4.6 stars across 72 Google reviews.
$92M
in SBA approvals since 2010
184
SBA loans funded
Manufacturing · Construction & Contractors · Wholesale & Distribution
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Barrington Bank & Trust Company, National Association
Offering comprehensive SBA lending services, this commercial bank specializes in supporting small businesses through various loan programs, including the SBA 7(a) program. With a focus on small business growth and development, it provides tailored financing options for a wide range of industries. The bank's experienced team guides clients through the application process, ensuring clarity and efficiency. Its primary lending area is national, enabling businesses across the country to access its financial products. The bank is known for its flexible loan terms, competitive rates, and personalized service, making it a reliable partner for entrepreneurs seeking funding. Whether you're looking to expand, purchase equipment, or manage cash flow, this bank offers the financial solutions needed to achieve your business goals. Its commitment to small business success is reflected in its supportive approach and extensive industry knowledge. The bank also offers expertise in various sectors, including manufacturing, retail, and services, to meet diverse client needs. With a strong reputation for customer service and a broad product portfolio, it stands out as a trusted SBA lender.
Common questions about Barrington Bank & Trust Company, National Association
What is this place and what can I find here?
This is a commercial bank that offers SBA loan programs designed to support small business growth, including the SBA 7(a) loan. You can find information about their financing options, application process, and industry expertise here.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated assistance, but walk-ins may be accommodated depending on availability. Contact the bank ahead of your visit for the best experience.
What are the hours of operation?
The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. Hours may vary on holidays or special occasions, so it's best to confirm before visiting.
Is there a fee to use this?
There are no fees for accessing general information, but loan applications and processing may involve fees such as origination or closing costs, which will be disclosed upfront.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners nationwide, regardless of residency, as long as the business qualifies for SBA loan programs and meets eligibility criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 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 completeness of the application and the complexity of the loan.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Barrington Bank & Trust Company, National Association 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 Barrington Bank & Trust Company, National Association to confirm current weekend availability before you go.
How do I get there and where do I park?
Barrington Bank & Trust Company's Barrington location provides dedicated parking lots for visitors. Confirm the details and accessibility options directly with the bank.
Who owns or operates this listing?
This page is an independent directory listing for Barrington Bank & Trust Company, National Association, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Barrington Bank & Trust Company, National Association itself, which runs its own lending under its own ownership. If you work at Barrington Bank & Trust Company, National Association, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Barrington Bank & Trust Company, National Association — 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 Barrington Bank & Trust Company, National Association before applying. If you represent Barrington Bank & Trust Company, National Association, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Barrington Bank & Trust Company, National Association by phone at (847) 842-4500 or online at barringtonbank.com — 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 Barrington Bank & Trust Company, National Association before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Barrington Bank & Trust Company, National Association 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 Barrington Bank & Trust Company, National Association 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 Barrington Bank & Trust Company, National Association participates in SBA Express depends on its specific SBA lending authority. Contact Barrington Bank & Trust Company, National Association 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. Barrington Bank & Trust Company, National Association 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. Barrington Bank & Trust Company, National Association's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Barrington Bank & Trust Company, National Association 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 Barrington Bank & Trust Company, National Association 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 Barrington Bank & Trust Company, National Association 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 Barrington Bank & Trust Company, National Association 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. Barrington Bank & Trust Company, National Association weighs this case by case under its own policy, so be upfront about your history and ask Barrington Bank & Trust Company, National Association how it evaluates prior bankruptcies.