Queensborough National Bank and Trust Company
Queensborough National Bank and Trust Company is an active SBA lender in Georgia, a bank offering SBA-guaranteed small-business loans. Currently rated 3.7 stars across 3 Google reviews.
$93M
in SBA approvals since 2010
212
SBA loans funded
Restaurants & Food Service · General Retail · Transportation & Trucking
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Queensborough National Bank and Trust Company
Queensborough National Bank and Trust Company offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, the bank provides various SBA loan programs including the popular 7(a) loan program, which helps businesses access capital for a wide range of purposes such as working capital, equipment purchase, or real estate acquisition. The bank's experienced team guides clients through the application process, ensuring clarity and support at every step. Their lending solutions are designed to meet the unique needs of businesses in their primary service areas, emphasizing quick approval times and competitive terms. Whether you're a startup or an established enterprise, Queensborough National Bank and Trust Company is committed to helping your business succeed with flexible financing options and dedicated customer service.
Serves SBA borrowers in 2 states
Queensborough National Bank and Trust Company has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Queensborough National Bank and Trust Company finances
Business types Queensborough National Bank and Trust Company actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Queensborough National Bank and Trust Company
What is this place and what can I find here?
This is a local bank offering SBA loan programs and business financing solutions designed to support small and medium-sized enterprises in the region. You can find assistance with loans for growth, real estate, equipment, and working capital, along with personalized guidance from experienced loan officers.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.
What are the hours of operation?
The Louisville Main Branch lobby is open Monday-Thursday 9am-4pm and Friday 9am-5pm. The drive-thru (QNBTNOW) operates Monday-Friday 8am-6pm. Confirm current hours with Queensborough National Bank.
Is there a fee to use this?
There are no fees for initial consultations, but standard loan application and processing fees may apply depending on the loan type and amount. Details are provided during the application process.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and business owners in the region, but eligibility for SBA loans extends to qualified small businesses nationwide that meet the program criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 is generally preferred, though final decisions depend on overall creditworthiness and business financials.
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 loan and completeness of application documentation.
Is this open on weekends?
The lobby is closed Saturday. However, the drive-thru (Interactive Teller Machine/QNBTNOW) operates Saturday 8am-1pm, allowing limited weekend transactions. Confirm availability with Queensborough National Bank.
How do I get there and where do I park?
Queensborough National Bank and Trust Company is located in Georgia — 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 Queensborough National Bank and Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Queensborough National Bank and Trust Company itself, which runs its own lending under its own ownership. If you work at Queensborough National Bank and Trust Company, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Queensborough National 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 Queensborough National Bank and Trust Company before applying. If you represent Queensborough National Bank and Trust Company, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Queensborough National Bank and Trust Company by phone at (478) 625-2001 or online at qnbtrust.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 Queensborough National Bank and Trust Company before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Queensborough National Bank and Trust Company most often finances businesses in restaurants & food service, general retail, automotive repair & services, fitness & recreation, medical practices & clinics, and transportation & trucking. This reflects Queensborough National 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 Queensborough National Bank and Trust Company which sectors 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 Queensborough National Bank and Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact Queensborough National Bank and Trust Company 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. Queensborough National Bank and Trust Company 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. Queensborough National 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 Queensborough National Bank and Trust Company 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 Queensborough National Bank and Trust Company 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 Queensborough National Bank and Trust Company 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 Queensborough National Bank and Trust Company 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. Queensborough National Bank and Trust Company weighs this case by case under its own policy, so be upfront about your history and ask Queensborough National Bank and Trust Company how it evaluates prior bankruptcies.
