Community Bank and Trust
Community Bank and Trust is an active SBA lender in Missouri, a bank offering SBA-guaranteed small-business loans. Currently rated 3.1 stars across 14 Google reviews.
$9M
in SBA approvals since 2011
31
SBA loans funded
Hotels & Lodging · Food Manufacturing & Processing · Transportation & Trucking
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Community Bank and Trust
Community Bank and Trust offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, this institution provides SBA 7(a) loans, which are ideal for working capital, equipment purchases, and real estate acquisitions. The bank prides itself on its community-oriented approach, understanding local market dynamics and offering flexible financing solutions. Their team of experienced lenders works closely with clients to structure loans that meet both business needs and repayment capabilities. Whether you're a startup or an established enterprise, they aim to facilitate your business success through accessible SBA programs and competitive terms. Located in Neosho, Missouri, they serve a broad region, emphasizing local economic development and small business support. The bank's commitment extends to helping entrepreneurs navigate the complexities of SBA lending, ensuring a smooth application process. Their expertise in SBA 7(a) loans makes them a reliable partner for small business owners looking for reliable funding options to achieve their goals.
Industries Community Bank and Trust finances
Business types Community Bank and Trust actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Community Bank and Trust
What is this place and what can I find here?
This is a community-focused bank offering SBA loan programs designed to support small businesses in the region. You can find assistance with SBA 7(a) loans, personalized financial advice, and local economic development support.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to meet with a lender, but walk-in consultations may also be available depending on the time and staffing.
What are the hours of operation?
The branch operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment.
Is there a fee to use this?
There are no fees for initial consultations; however, standard loan application and processing fees may apply depending on the loan type.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small businesses within the local community and surrounding regions.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 or higher is generally preferred for loan approval.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and loan complexity.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Community Bank and 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 Community Bank and Trust to confirm current weekend availability before you go.
How do I get there and where do I park?
Community Bank and Trust is located in Missouri — 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 Community Bank and Trust, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Community Bank and Trust itself, which runs its own lending under its own ownership. If you work at Community Bank and Trust, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Community 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 Community Bank and Trust before applying. If you represent Community Bank and Trust, claim this listing to keep its information up to date.
How do I contact this listing directly?
Community Bank and Trust can be reached online at cbthomebank.com, by phone at (417) 451-1040, or through their contact form at cbthomebank.com/contact-us/. Confirm current business lending contact details directly with the bank.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Community Bank and Trust most often finances businesses in manufacturing. This reflects Community 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 Community Bank and Trust which sectors 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 Community Bank and Trust participates in SBA Express depends on its specific SBA lending authority. Contact Community Bank and 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. Community Bank and 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. Community Bank and Trust's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Community Bank and 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 Community Bank and 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 Community Bank and 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 Community Bank and 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. Community Bank and Trust weighs this case by case under its own policy, so be upfront about your history and ask Community Bank and Trust how it evaluates prior bankruptcies.
