Farmers Bank & Trust

This is a local bank offering SBA loan programs to help small businesses grow and succeed. You can find information about financing options, application support, and community development resources here.

It's recommended to schedule an appointment to meet with a lender, but walk-ins are also welcome during business hours for general inquiries.

The bank operates Monday through Friday from 8:30 AM to 5:00 PM. Appointments outside these hours can be arranged upon request.

There are no fees for initial consultations; however, standard loan application and closing fees may apply depending on the financing terms.

This bank primarily serves small business owners within the community and surrounding regions, focusing on local entrepreneurs.

A minimum personal credit score of 620 is generally required to qualify for SBA loans.

The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and supporting documents.

Most banks keep weekday business hours and are closed on weekends, and Farmers Bank & 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 Farmers Bank & Trust to confirm current weekend availability before you go.

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

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

You can reach Farmers Bank & Trust by phone at (785) 626-3233 or submit an inquiry via their contact form at https://www.farmersbank-trust.com/contact/ — confirm details directly with the bank for SBA lending inquiries.

Like most SBA lenders, Farmers Bank & Trust 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 Farmers Bank & Trust directly which industries 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 & Trust participates in SBA Express depends on its specific SBA lending authority. Contact Farmers Bank & 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 & 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 & Trust's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Farmers Bank & 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 & 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 & 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 & 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 & Trust weighs this case by case under its own policy, so be upfront about your history and ask Farmers Bank & Trust how it evaluates prior bankruptcies.