The Harrison County Bank
The Harrison County Bank is an active SBA lender in West Virginia, a bank offering SBA-guaranteed small-business loans. Currently rated 3.7 stars across 9 Google reviews.
$1M
in SBA approvals since 2013
9
SBA loans funded
Medical Practices & Clinics · Real Estate & Property Management · Construction & Contractors
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About The Harrison County Bank
The Harrison County Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial growth. With a focus on supporting local entrepreneurs, this lender provides a range of loan options including the SBA 7(a) program, which is ideal for working capital, equipment, or real estate purchases. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located in Lost Creek, WV, the bank is committed to fostering economic development within the community and beyond. They understand the unique needs of small businesses and strive to deliver personalized financing solutions that help clients achieve their goals. Whether you're expanding your operations, purchasing new equipment, or refinancing existing debt, The Harrison County Bank is equipped to assist you with flexible terms and competitive rates. Their commitment to service and local economic growth makes them a trusted partner for small business owners in the region.
Common questions about The Harrison County Bank
What is this place and what can I find here?
This is a local bank that provides SBA loan programs to small businesses, helping them secure funding for growth and development. You can find personalized financial services tailored to your business needs and guidance throughout the loan process.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.
What are the hours of operation?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment.
Is there a fee to use this?
There are no fees for simply visiting the bank; fees may apply for specific services or loan processing, which will be disclosed upfront.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small business owners within the community and surrounding regions.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 650 is generally preferred, but this can vary based on overall creditworthiness and loan specifics.
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 completeness of your application and loan complexity.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and The Harrison 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 Harrison County Bank to confirm current weekend availability before you go.
How do I get there and where do I park?
The Harrison 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.
Who owns or operates this listing?
This page is an independent directory listing for The Harrison County Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Harrison County Bank itself, which runs its own lending under its own ownership. If you work at The Harrison County Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for The Harrison 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 Harrison County Bank before applying. If you represent The Harrison County Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach The Harrison County Bank by phone at (304) 745-3342 or online at hcbwv.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 Harrison County Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, The Harrison 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 Harrison County Bank 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 The Harrison County Bank participates in SBA Express depends on its specific SBA lending authority. Contact The Harrison County Bank 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. The Harrison County Bank 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. The Harrison County Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Harrison County Bank 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 The Harrison County Bank 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 The Harrison County Bank 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 The Harrison County Bank 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. The Harrison County Bank weighs this case by case under its own policy, so be upfront about your history and ask The Harrison County Bank how it evaluates prior bankruptcies.
