First International Bank & Trust

This is a commercial bank offering SBA loan programs, business banking services, and financial solutions tailored to small and medium-sized enterprises in the region.

Ask First International Bank & Trust directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check First International Bank & Trust's website or call before you visit.

Browsing this directory is free. Any loan fees are set by First International Bank & Trust and the SBA program — ask the lender for its current schedule.

Services are primarily available to local residents and businesses within the region, though some services may be accessible to out-of-area clients with qualifying criteria.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask First International Bank & Trust what it looks for today.

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

Most bank SBA teams work weekdays; confirm with First International Bank & Trust before planning a weekend visit.

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

The core details for First International Bank & 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 First International Bank & Trust before applying. If you represent First International Bank & Trust, claim this listing to keep its information up to date.

You can reach First International Bank & Trust by phone at (701) 842-2381 or online at www.fibt.com — the same details are in the contact card on this page.

Like most SBA lenders, First International Bank & 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 First International Bank & 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 First International Bank & Trust participates in SBA Express depends on its specific SBA lending authority. Contact First International Bank & Trust and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether First International Bank & Trust has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

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. First International Bank & Trust's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First International Bank & 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 First International Bank & 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 First International Bank & 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 First International Bank & 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. First International Bank & Trust weighs this case by case under its own policy, so be upfront about your history and ask First International Bank & Trust how it evaluates prior bankruptcies.