Ventura National Bank and Trust

This is Ventura National Bank and Trust, a local bank that offers SBA loan programs and personalized banking services to support small businesses in the Harveyville area. You can find assistance with various financing needs, including working capital and real estate, tailored to your business goals.

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

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment as needed.

There are no fees for simply visiting or consulting; applicable loan fees and interest rates apply when financing is arranged.

This bank primarily serves local residents and small businesses in the Harveyville region, but eligibility depends on meeting loan requirements.

Typically, a minimum personal credit score of 650 is preferred, but specific requirements may vary based on the loan type and applicant profile.

The underwriting process generally takes between 2 to 4 weeks, depending on the complexity of the loan and completeness of the application.

Most banks keep weekday business hours and are closed on weekends, and Ventura National Bank and Trust 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 Ventura National Bank and Trust to confirm current weekend availability before you go.

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

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

For business lending inquiries, you can also email Ventura National Bank and Trust at [email protected] in addition to calling (866) 551-2266. Confirm current hours when reaching out.

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