Town & Country Bank and Trust Company
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Town & Country Bank and Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 524210 | Insurance Agencies and Brokerages | 8 | $1.0M | $125K | 50.0% |
| 236220 | Commercial and Institutional Building Construction | 8 | $22.3M | $2.8M | 50.0% |
Geographic Distribution
SBA lending activity for Town & Country Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kentucky (KY) | 16 | $23.3M | 100.0% |
Why Choose Town & Country Bank and Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 16 SBA loans approved, totaling $23.3M in financing
- ✓Industry Expertise: Specialized focus on Insurance Agencies and Brokerages, Commercial and Institutional Building Construction
- ✓Competitive Terms: Average interest rate of 8.07% with flexible term lengths averaging 120 months
- ✓Loan Range: Loan sizes from $125K to $2.8M, with an average of $1.5M
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in KY
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Town & Country Bank and Trust Company SBA lending
What types of businesses does Town & Country Bank and Trust Company typically finance?
Town & Country Bank and Trust Company specializes in SBA 7(a) lending to specific industries including insurance agencies and brokerages, commercial and institutional building construction. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Town & Country Bank and Trust Company's typical SBA loan terms?
Town & Country Bank and Trust Company's SBA 7(a) loans typically feature an average interest rate of 8.07% and average term length of 120 months (approximately 10 years). Loan sizes range from $125K to $2.8M, with an average loan size of $1.5M.
Do I need a business valuation for a Town & Country Bank and Trust Company SBA loan?
Yes, Town & Country Bank and Trust Company typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Town & Country Bank and Trust Company compare to other SBA lenders?
Town & Country Bank and Trust Company has originated 16 SBA loans totaling $23.3M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Town & Country Bank and Trust Company lend in?
Town & Country Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in KY. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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