NobleBank & Trust
NobleBank & Trust is an active SBA lender in the United States, a bank offering SBA-guaranteed small-business loans. Currently rated 4.1 stars across 44 Google reviews.
$12M
in SBA approvals since 2010
11
SBA loans funded
Real Estate & Property Management · Construction & Contractors · Fitness & Recreation
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About NobleBank & Trust
NobleBank & Trust offers comprehensive SBA lending services tailored to meet the needs of small businesses seeking financial support. With a focus on small business loans, this bank provides access to SBA 7(a) loans, which are ideal for working capital, equipment purchases, and business expansion. The bank's experienced team guides clients through the application process, ensuring a smooth experience from start to finish. Their lending solutions are designed to help entrepreneurs and established businesses alike secure the funding necessary to grow and succeed. Located in Anniston, Alabama, they serve a broad range of industries, emphasizing personalized service and flexible financing options. Whether you're a startup or an established enterprise, NobleBank & Trust is committed to supporting your business goals with competitive terms and dedicated support.
Common questions about NobleBank & Trust
What is this place and what can I find here?
This is a commercial bank that offers SBA loan programs to small businesses, providing financing options for growth and expansion needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated service, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
The main office in Anniston operates Mon–Thurs 9:00am–4:00pm and Fri 9:00am–5:00pm for lobby service; drive-thru extends to 4:30pm and 5:00pm respectively. Hours vary by location, so confirm with your branch directly.
Is there a fee to use this?
There are no fees to visit the bank; however, loan application and processing fees may apply for financing services.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small business owners within Alabama, but they welcome qualified applicants from the region.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is generally preferred, though other factors are also considered.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
NobleBank & Trust's Alexandria and Oxford locations offer Saturday drive-thru service from 9:00am to noon; most other locations are closed weekends. Confirm your branch's weekend availability.
How do I get there and where do I park?
NobleBank & 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.
Who owns or operates this listing?
This page is an independent directory listing for NobleBank & Trust, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by NobleBank & Trust itself, which runs its own lending under its own ownership. If you work at NobleBank & Trust, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for NobleBank & 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 NobleBank & Trust before applying. If you represent NobleBank & Trust, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach NobleBank & Trust by phone at (256) 741-1800 or complete a secure contact form at https://www.noblebank.com/contact/. For SBA lending inquiries, contact business banking support. Confirm details with the lender directly.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, NobleBank & 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 NobleBank & Trust directly which industries 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 NobleBank & Trust participates in SBA Express depends on its specific SBA lending authority. Contact NobleBank & 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. NobleBank & 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. NobleBank & Trust's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask NobleBank & 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 NobleBank & 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 NobleBank & 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 NobleBank & 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. NobleBank & Trust weighs this case by case under its own policy, so be upfront about your history and ask NobleBank & Trust how it evaluates prior bankruptcies.