Century Bank and Trust

This is a community-focused bank offering SBA loan programs and personalized financial services to support local businesses" growth and success.

It's recommended to schedule an appointment to ensure dedicated service, 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 for simply visiting the bank; fees may apply for certain services or loan processing.

This bank primarily serves local residents and businesses within the region, but some services may be available to non-residents.

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

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the application.

Some Century Bank and Trust locations are open on Saturdays; the Three Rivers temporary office operates Saturday 8:30 AM–Noon. Confirm hours with your specific location.

Century Bank and Trust is located in Michigan — 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 Century Bank and Trust, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Century Bank and Trust itself, which runs its own lending under its own ownership. If you work at Century Bank and Trust, you can claim this listing from this page to manage it.

The core details for Century Bank and 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 Century Bank and Trust before applying. If you represent Century Bank and Trust, claim this listing to keep its information up to date.

You can reach Century Bank and Trust via their online contact form at https://www.centurybankandtrust.com/connect/contact/contact-us or by phone at (517) 278-1500. Please confirm current contact details with the bank.

Based on its approved SBA loans, Century Bank and Trust most often finances businesses in manufacturing. This reflects Century Bank and Trust'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 Century Bank and Trust 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 Century Bank and Trust participates in SBA Express depends on its specific SBA lending authority. Contact Century Bank and 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. Century Bank and 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. Century Bank and Trust's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Century Bank and 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 Century Bank and 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 Century Bank and 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 Century Bank and 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. Century Bank and Trust weighs this case by case under its own policy, so be upfront about your history and ask Century Bank and Trust how it evaluates prior bankruptcies.