Town and Country Bank
Town and Country Bank is an active SBA lender in Missouri, a bank offering SBA-guaranteed small-business loans. Currently rated 4.6 stars across 12 Google reviews.
$8M
in SBA approvals since 2010
34
SBA loans funded
Restaurants & Food Service · General Retail · Medical Practices & Clinics
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Town and Country Bank
Town and Country Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and development. With a focus on the local community, this bank provides various loan options including SBA 7(a) loans, which are ideal for working capital, equipment, and real estate purchases. Their experienced team guides borrowers through the application process, ensuring clarity and efficiency. The bank's commitment to personalized service makes it a reliable partner for entrepreneurs looking to expand or stabilize their operations. Whether you're a startup or an established business, Town and Country Bank strives to meet your financial needs with flexible terms and competitive rates. Their expertise in SBA programs helps clients access funding that might otherwise be difficult to secure through traditional lending channels. Located in Salem, Missouri, the bank leverages local knowledge and a community-focused approach to support regional economic growth. They also offer guidance on eligibility and documentation, simplifying the borrowing experience for small business owners. Overall, Town and Country Bank is dedicated to fostering small business success through accessible SBA lending solutions and attentive customer service.
Industries Town and Country Bank finances
Business types Town and Country Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Town and Country Bank
What is this place and what can I find here?
This is a community-focused bank offering SBA loan options and personalized financial services for small businesses in Salem, Missouri. You can find assistance with business loans, guidance on SBA programs, and support for your growth needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours.
What are the hours of operation?
Town and Country Bank's main lobby operates 9:00 AM to 4:00 PM, Monday through Friday. Drive-thru service extends to 5:30 PM weekdays. Please confirm exact hours with your specific branch location.
Is there a fee to use this?
There are no fees for visiting or consulting; however, loan processing and service fees may apply depending on the specific financial product.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small businesses within the Salem community and surrounding regions.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 is generally preferred, but other factors are also considered during the approval process.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of documentation and loan complexity.
Is this open on weekends?
Town and Country Bank is closed on Sundays. Most branches are closed on Saturdays, though some locations offer limited drive-thru service (8:00 AM to 12:00 PM). Confirm with your branch for weekend availability.
How do I get there and where do I park?
Town and Country Bank is located in Missouri — 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 Town and Country Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Town and Country Bank itself, which runs its own lending under its own ownership. If you work at Town and Country Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Town and Country 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 Town and Country Bank before applying. If you represent Town and Country Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Town and Country Bank by phone at (573) 729-3155, or email customerservice@tcbanks.com for general inquiries.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Town and Country Bank most often finances businesses in general retail. This reflects Town and Country 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 Town and Country Bank 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 Town and Country Bank participates in SBA Express depends on its specific SBA lending authority. Contact Town and Country 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. Town and Country 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?
Town and Country Bank supports startup financing through SBA loans. The bank's team will help navigate the SBA loan process from start to finish. Contact the bank directly to discuss your startup's specific financing needs.
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 Town and Country 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 Town and Country 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 Town and Country 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. Town and Country Bank weighs this case by case under its own policy, so be upfront about your history and ask Town and Country Bank how it evaluates prior bankruptcies.
