Community Banking, National Reach
Comprehensive Lending Solutions Through Strategic Partnership.
Our Family of Companies
Community Bank & Trust
Provides full-service commercial banking with local decision-making and a relationship-first approach. Our team offers business banking, treasury services, commercial real estate lending, construction financing, and owner-occupied loans—anchored by direct access to experienced bankers.
Thomas Financial Group
A premier commercial finance advisory firm specializing in complex, large-scale transactions. Thomas Financial supports sponsors, developers, and operators with structuring, underwriting, and placement of government-guaranteed and specialty financings nationwide.
Phoenix Lender Services
A nationally recognized SBA and USDA origination, loan servicing and asset-management platform. Phoenix provides life-of-loan servicing, compliance oversight, portfolio management, and post-closing support for borrowers and lending partners across the country.
Strategic Alliance: MSCapes Corp
Through its strategic alliance with MSCapes Corp, Community Bank & Trust enhances its ability to deliver sophisticated capital solutions, including alternative and layered financing structures. This collaboration strengthens origination, structuring, and execution, ensuring clients benefit from coordinated expertise and seamless delivery.
Loan Programs & Financing Solutions
Maximize your earnings while keeping funds accessTogether, Community Bank & Trust, its affiliated companies, and strategic partners support a broad spectrum of conventional, government-guaranteed, and specialty financing programs, including:
SBA Loan Programs
SBA 7(a) Loans – Working capital, acquisitions, refinancing, partner buyouts, and expansion
SBA 504 Loans – Owner-occupied real estate and major equipment with long-term, fixed rates
SBA Express Loans – Streamlined financing with expedited decisioning
SBA CAPLines – Revolving and short-term working capital solutions
USDA Loan Programs
USDA Business & Industry (B&I) Loans – Financing for rural businesses across hospitality, manufacturing, healthcare, agriculture, and more
USDA Rural Development Programs – Job-creating projects in eligible rural communities
USDA-Guaranteed Refinancing – Long-term restructuring of existing debt
C-PACE Financing
Commercial Property Assessed Clean Energy (C-PACE) – Long-term, fixed-rate funding for energy efficiency, renewable energy, water conservation, and resiliency improvements
Eligible for new construction or retrofits on commercial, industrial, multifamily, and hospitality properties
Can be combined with senior debt to reduce upfront capital requirements and improve project economics
Commercial & Conventional Lending
Specialty & Complex Transactions
Meet Your Relationship Lead
Joe Amato
VP, Commercial Lending & Corporate Development
Community Bank & Trust
jamato@communitybankshares.com
Mobile: 540-840-8033
Joe Amato has over 30 years experience in lending and serves as a key relationship leader at Community Bank & Trust, guiding clients through the financing process from initial conversation through closing and beyond. Joe acts as a single point of contact, coordinating seamlessly across Community Bank & Trust, Phoenix Lender Services, Thomas Financial Group, and strategic partners to deliver efficient, well-structured financing solutions.
His focus is simple: understand your business, align the right program, and build a long-term partnership you can rely on.
Local Relationships. National Capability. Innovative Capital Solutions.
Whether you’re opening accounts, expanding operations, refinancing existing debt, or pursuing a complex, sustainability-driven project, Community Bank & Trust and its affiliated partners offer the experience, flexibility, and integrity to support what’s next.
