The Grant County Bank

This is a community-focused bank offering SBA loan programs and small business financing solutions. You can find assistance with funding needs, expert guidance on loan applications, and personalized banking services tailored to entrepreneurs and local businesses.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be accommodated depending on availability. Calling ahead can help streamline your visit and prepare necessary documentation.

The bank typically operates from Monday to Friday, 9:00 AM to 5:00 PM. It is advisable to confirm hours directly with the branch, especially for after-hours or special appointment requests.

There are no fees for basic inquiries or initial consultations. Fees may apply for loan processing, application, or other banking services, as outlined during the application process.

This bank primarily serves residents and small business owners in West Virginia and the surrounding region. Non-residents may need to meet specific criteria or provide additional documentation to qualify for services.

A minimum personal credit score of around 640 is generally preferred, though higher scores may improve loan approval chances. The bank evaluates overall creditworthiness and business viability during the application process.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application. Early preparation and clear documentation can help expedite approval.

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

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

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

You can reach The Grant County Bank by phone at (304) 257-4111 or online at grantcountybank.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 Grant County Bank before relying on them.

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