Community Bankshares, Inc. is a leading financial institution that is making a significant impact in the country’s small business and rural America landscape. In a time when business owners are facing red tape and delays, the company is delivering fast closings of complex government-guaranteed loans, often in as little as 30 to 45 days.
Record-Setting Q2 Results
In the first half of 2025, Community Bankshares, Inc. closed 57 SBA and USDA loans totaling $256,038,702, reinforcing its position as one of the fastest-moving mission-driven lenders in the nation. The company’s subsidiaries, Phoenix Lender Services, Thomas Financial Group, and Community Bank & Trust, played a crucial role in achieving this impressive milestone.
- Phoenix Lender Services closed 25 SBA loans via its SBA team, totaling $48,765,200 in 15 states.
- Phoenix Lender Services also closed 10 USDA loans via its USDA team, totaling $111,376,215 in 5 states.
- Thomas Financial Group closed 2 USDA loans, totaling $24,715,000 in 2 states.
Transformative Closings
“We’re not just providing capital, we’re providing it quickly,” said Chris Hurn, President & CEO of Community Bankshares and Phoenix Lender Services. “Closing a government-guaranteed loan in 30 to 45 days isn’t just rare, it’s transformative. It means our clients can grow, hire, and build when it matters most.”
Year-to-Date Performance
These record-setting Q2 results build on a powerful Q1, bringing Phoenix’s year-to-date total SBA loans closed to 41 loans for $70.6 million, and Phoenix’s total USDA loans closed to 14 loans for $160.7 million. As of Q3 of the federal government’s fiscal year FY25, Community Bank & Trust ranks as the #36 Most Active SBA Lender in the Nation with 86 SBA loan approvals totaling $146,051,200.
| Rank | Company | Loans Approved | Total Amount |
|---|---|---|---|
| 36 | Community Bank & Trust | 86 | $146,051,200 |
| 2 | Company | 5 | $25,000,000 |
Growth Across Industries
Community Bankshares, Inc. is fueling growth in industries ranging from construction and energy to healthcare, franchising, and logistics. Recent highlights include:
- USDA Commercial – Agriculture Scientific: A South Carolina-based Sustainable Agriculture Project creating high-tech jobs, boosting food security, reducing dependence on imported produce, and reducing carbon emissions.
- SBA 7(a) – Comprehensive Therapy Children’s Center: SBA 7(a) loan enabled a successful ownership transition for this trusted pediatric therapy clinic in Canton, Georgia, ensuring continued care for children with developmental and neurological needs.
- Bridge Lending – Hospitality Project: Closed Over $34 Million in Bridge Loans for USDA B&I loan takeouts in under 40 days.
Client Testimonials
“Community Bank and Trust’s professionalism and support during the loan process was beyond perfect,” said Tammy Knoop, Owner of Bel-Mar Lanes. “Their kindness and easy mannered approach is a gift.”
“Thomas Financial Group was instrumental in our acquisition of The National Exchange Hotel and the Holbrooke Hotel—not just because they understood the nuances of hospitality lending, but because they delivered when time was critical. Under a tight deadline, they demonstrated incredible speed, efficiency, and unwavering commitment. Their ability to move decisively while maintaining a personal, solutions-oriented approach sets them apart. In a world where delays can derail opportunity, their partnership made all the difference,” said James Gould, Principal at Horizon Hotel Group.
About Community Bankshares, Inc.
Community Bankshares, Inc. is transforming access to capital for small businesses and rural America. Through its subsidiaries – Phoenix Lender Services, Thomas Financial Group, and Community Bank & Trust – the company delivers customized SBA, USDA, and commercial lending services nationwide. Our mission is rooted in empowering local economies, preserving family-run businesses, and supporting job creation through bold, fast, and impactful lending.
About Phoenix Lender Services
Phoenix Lender Services is a nationwide leader in government-guaranteed lending operations, offering full-service loan origination, underwriting, servicing, and regulatory support. PHX specializes in SBA and USDA loans and acts as a trusted Lender Service Provider (LSP) for banks and credit unions across the country.
About Thomas Financial Group
Thomas Financial Group is a high-performance USDA and commercial loan originator, offering sophisticated financing solutions for complex business, hotel, infrastructure, and development projects, particularly in rural or underserved areas.
About Community Bank & Trust
Based in LaGrange, GA, Community Bank & Trust provides personalized financial services to individuals and businesses across the Southeast and nationwide. As the top-producing SBA lender headquartered in Georgia, CB&T is committed to expanding access to capital and economic opportunity in communities of all sizes.
Media Contact
Abigail Davison
Uproar by Moburst for Community Bankshares, Inc. abigail.davison@moburst.com
