The Clinton National Bank

This is a bank that offers SBA loan programs and small business financing solutions, helping entrepreneurs secure the capital they need to grow and succeed.

It's recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-ins may be accommodated depending on availability.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with extended hours by appointment.

There are no fees for accessing basic information; fees apply during the loan application process and vary based on the loan type and amount.

This bank primarily serves local residents and small business owners within the region, but eligibility is determined on a case-by-case basis.

A minimum personal credit score of 640 is generally required, though higher scores improve approval chances.

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

Most banks keep weekday business hours and are closed on weekends, and The Clinton National Bank 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 The Clinton National Bank to confirm current weekend availability before you go.

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

The core details for The Clinton National Bank — 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 The Clinton National Bank before applying. If you represent The Clinton National Bank, claim this listing to keep its information up to date.

You can reach The Clinton National Bank by phone at (563) 243-1243 or online at clintonnational.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 The Clinton National Bank before relying on them.

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