The Paducah Bank and Trust Company

This is a local commercial bank offering SBA loan programs, business banking services, and financial guidance tailored to small businesses in the region.

It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours.

The Paducah Bank and Trust Company's Lone Oak Road branch operates 8:30 a.m. to 4:30 p.m., Monday through Friday, with extended drive-thru service until 5:30 p.m. on Friday. Please confirm current hours directly with the bank.

Fees depend on the specific banking service or loan product; details are provided during the application process.

This bank primarily serves local residents and small business owners within the region, but some services may be available to non-residents with proper documentation.

A minimum credit score of 640 is generally preferred for guarantors.

The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the application.

The Paducah Bank and Trust Company's Lone Oak Road branch offers drive-thru service on Saturday from 9:00 a.m. to noon and is closed on Sundays. SBA lending staff availability on weekends may differ—please verify directly.

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

The core details for The Paducah 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 The Paducah Bank and Trust Company before applying. If you represent The Paducah Bank and Trust Company, claim this listing to keep its information up to date.

You can reach The Paducah Bank and Trust Company at (270) 575-5775 locally or (800) 575-5705 toll-free, or visit paducahbank.com. For SBA lending specifically, ask for their business lending department.

Based on its approved SBA loans, The Paducah Bank and Trust Company most often finances businesses in construction & contractors, restaurants & food service, general retail, childcare & early education, manufacturing, and fitness & recreation. This reflects The Paducah 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 The Paducah Bank and Trust Company 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 Paducah Bank and Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact The Paducah Bank and Trust Company 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 Paducah Bank and Trust Company can confirm its current PLP standing — ask before you apply if speed matters to you.

The Paducah Bank and Trust Company offers SBA 7(a) and 504 loan programs to start-ups and existing businesses, with funding ranging from $500 to $5.5 million. Please confirm specific startup eligibility requirements directly with their business lending team.

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 Paducah Bank and Trust Company 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 Paducah Bank and Trust Company 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 Paducah Bank and Trust Company 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 Paducah Bank and Trust Company weighs this case by case under its own policy, so be upfront about your history and ask The Paducah Bank and Trust Company how it evaluates prior bankruptcies.