Farmers Bank and Trust

This is a local bank offering SBA loan programs and financial services tailored to small and medium-sized businesses. You can find personalized support, loan options, and guidance to help grow your business.

It is recommended to schedule an appointment to ensure dedicated time with a banking specialist, but walk-ins are also welcome during business hours.

Farmers Bank and Trust's Great Bend home office lobby is open Monday–Friday 9:00 AM to 4:00 PM, with drive-thru service until 5:30 PM. Other locations have varying hours; visit farmersbankks.com or call (620) 792-2411 to confirm your branch hours.

There may be fees associated with loan processing and closing costs, which will be disclosed during your application process.

This bank primarily serves local residents and small business owners within the region, but services are available to qualified applicants meeting lending criteria.

Typically, a minimum personal credit score of 650 is preferred, but the exact requirement may vary based on the loan and applicant profile.

The underwriting process generally takes between 2 to 4 weeks, depending on the completeness of your application and supporting documents.

The Great Bend home office is open Saturdays from 9:00 AM to 12:00 PM for lobby service and 8:00 AM to 12:00 PM for drive-thru. Most other Farmers Bank locations are closed weekends.

Farmers Bank and Trust's Great Bend home office is located at 1017 Harrison, Great Bend, KS 67530. The website does not specify parking details; contact the bank directly for directions and accessible parking information.

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

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

You can reach Farmers Bank and Trust by phone at (620) 792-2411 or online at farmersbankks.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 Farmers Bank and Trust before relying on them.

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