Home Bank and Trust Company

This is a local bank offering SBA loan programs and personalized banking services to small businesses in the EUREKA area, helping entrepreneurs access capital for growth and operational needs.

It's recommended to schedule an appointment to ensure dedicated time with a banking specialist, but walk-in consultations may also be available during business hours.

Most Home Bank and Trust Company locations are open Monday through Friday 9am–5pm, with shorter hours at the Eureka and Severy branches (9am–4pm and 9am–3pm respectively). Drive-thru service typically opens at 8am. Confirm your branch's exact hours at homebank-trust.com/about/contact/.

There are no fees for consulting with a banking representative; loan fees and interest rates vary based on the specific financing arrangement.

This bank primarily serves small business owners in the EUREKA area, but eligibility for loans depends on meeting credit and business criteria.

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 loan and completeness of documentation.

Home Bank and Trust Company is open Saturdays 9am–12pm at most branches, but closed on Sundays. Confirm with your local branch whether SBA lending staff are available on Saturdays.

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

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

You can reach Home Bank and Trust Company by phone at (620) 583-5516 or online at homebank-trust.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 Home Bank and Trust Company before relying on them.

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