Town and Country CU
Town and Country CU is an active SBA lender in North Dakota, a credit union offering SBA-guaranteed small-business loans. Currently rated 4.7 stars across 102 Google reviews.
$31M
in SBA approvals since 2010
146
SBA loans funded
Construction & Contractors · General Retail · Cleaning, Landscaping & Janitorial
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Town and Country CU
Town and Country CU offers comprehensive SBA financing options tailored to small businesses seeking growth capital. With a focus on supporting local entrepreneurs, this institution provides loans that help fund various business needs, from working capital to equipment purchases. Their SBA 7(a) program is a key component, enabling businesses to access flexible financing solutions with competitive terms. The bank specializes in serving the Minot community and surrounding areas, fostering economic development through personalized service and expert guidance. Whether you're starting a new venture or expanding an existing business, they aim to facilitate your success with tailored loan programs and dedicated support. Their experienced team understands the nuances of SBA lending and works closely with clients to navigate the application process smoothly. This bank also offers assistance with loan structuring, ensuring that borrowers receive the most advantageous terms possible. Committed to helping small businesses thrive, they prioritize customer service and local economic growth. If you're looking for a trusted partner to help fund your business ambitions, Town and Country CU provides accessible and reliable SBA financing options designed to meet your needs.
Serves SBA borrowers in 2 states
Town and Country CU has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Town and Country CU finances
Business types Town and Country CU actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Town and Country CU
What is this place and what can I find here?
This is a local bank offering SBA loan programs and business financing solutions designed to support small businesses in Minot, ND. You can find personalized service, expert guidance, and flexible loan options to help grow your business.
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?
Town and Country CU's Minot Main branch lobby is open 8:00 AM to 5:00 PM weekdays, with drive-up service from 7:30 AM to 6:00 PM; confirm current hours with the branch.
Is there a fee to use this?
There are no fees for visiting the bank; however, loan processing and application fees may apply depending on the services used.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small business owners in Minot and the surrounding areas, with a focus on local economic development.
What minimum personal credit score does this lender look for in a guarantor?
Typically, a minimum personal credit score of 640 is preferred, but this can vary based on the loan and applicant profile.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 2 to 4 weeks, depending on the completeness of the application and documentation provided.
Is this open on weekends?
Town and Country CU's Minot Main branch offers limited weekend service with drive-up access on Saturdays from 9:00 AM to 1:00 PM; confirm availability with the branch.
How do I get there and where do I park?
Town and Country CU is located in North Dakota — see the contact card for the full address. Most credit union 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 CU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Town and Country CU itself, which runs its own lending under its own ownership. If you work at Town and Country CU, 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 CU — 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 CU before applying. If you represent Town and Country CU, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Town and Country CU by phone at (701) 852-2018 or online at townandcountry.org — 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 Town and Country CU before relying on them.
What core industries does this lender traditionally choose to finance?
Based on its approved SBA loans, Town and Country CU most often finances businesses in construction & contractors, general retail, restaurants & food service, transportation & trucking, bars & nightlife, and medical practices & clinics. This reflects Town and Country CU'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 CU which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this lender?
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 CU participates in SBA Express depends on its specific SBA lending authority. Contact Town and Country CU and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this lender 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 credit unions hold PLP status, but it varies by institution. Town and Country CU can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this lender?
Town and Country CU offers Business Start-Up Loans through their commercial lending programs, indicating startup companies are eligible for financing; contact their team for specific startup requirements.
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 CU what down payment it expects for your specific commercial real estate purchase.
Does this lender 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 CU to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this lender 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 CU 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 CU weighs this case by case under its own policy, so be upfront about your history and ask Town and Country CU how it evaluates prior bankruptcies.
