Village Bank and Trust Financial Corp., a Virginia-based financial institution, has established itself as a prominent bank holding company that provides banking and financial services to small and medium-sized businesses, as well as individuals and professionals. The company operates in two segments-Traditional Commercial Banking and Mortgage Banking. Village Bank accepts a wide range of accounts including checking, savings, money market, IRA accounts and certificates of deposit, and offers various other depository services. The bank provides secured and unsecured commercial business loans for funding working capital needs, purchasing equipment and machinery, acquiring and owning commercial properties, and secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments. Additionally, Village Bank originates mortgage loans and real estate construction and acquisition loans. The bank also offers internet and mobile banking as well as remote deposit capture services for its business clients. Village Bank and Trust Financial Corp. commenced operations in 1999 and currently operates out of its Midlothian, Virginia headquarters.