Crews Bank and Trust

This is a commercial bank offering SBA loan programs, including the 7A program, to support small business growth in the Wauchula area. You can find information on loan options, application processes, and financial services tailored to small businesses. The bank provides personalized assistance to help you secure the funding you need.

It's recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-in consultations may be available during business hours. Contact the bank ahead of your visit for the best experience.

The Wauchula branch lobby is open Monday through Thursday 9 a.m. to 4 p.m., and Friday 9 a.m. to 6 p.m. Please confirm current hours with Crews Bank.

There are no fees for inquiries or initial consultations. Loan fees and interest rates are determined based on the specific loan terms and SBA guidelines.

This bank primarily serves small business owners in the Wauchula region, but eligibility depends on meeting SBA and bank criteria. Business owners from the local area are encouraged to apply.

A minimum personal credit score of around 640 is generally preferred, but the overall financial profile and business viability also play significant roles in approval decisions.

The underwriting process typically takes between 30 to 60 days, depending on the completeness of your application and the complexity of the loan request.

The Wauchula branch is closed Sundays but offers Saturday drive-thru service from 8:30 a.m. to noon. Contact Crews Bank to confirm if SBA lending staff are available during these limited Saturday hours.

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

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

You can reach Crews Bank and Trust by phone at (863) 773-4151 or online at crews.bank — 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 Crews Bank and Trust before relying on them.

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