Tri-County Bank & Trust Company

This is a local bank offering SBA loan programs and business financing solutions designed to support small business growth and development in the community.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.

There are no fees for visiting the bank; however, loan processing may involve standard application and closing costs.

This bank primarily serves residents and small businesses within the local community and surrounding areas.

A minimum personal credit score of 640 is generally preferred, but approval depends on overall creditworthiness.

The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of your application and documentation.

Most banks keep weekday business hours and are closed on weekends, and Tri-County Bank & Trust Company 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 Tri-County Bank & Trust Company to confirm current weekend availability before you go.

Tri-County Bank & Trust Company is located at the address listed on this page — 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 Tri-County Bank & Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Tri-County Bank & Trust Company itself, which runs its own lending under its own ownership. If you work at Tri-County Bank & Trust Company, you can claim this listing from this page to manage it.

The core details for Tri-County Bank & 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 Tri-County Bank & Trust Company before applying. If you represent Tri-County Bank & Trust Company, claim this listing to keep its information up to date.

You can reach Tri-County Bank & Trust Company by phone at (765) 522-1000 or online at tricountybank.net — 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 Tri-County Bank & Trust Company before relying on them.

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