Go Back
Report Abuse

St. Charles Bank & Trust Company, National Association

0 (0 Reviews)
photo-32.png
photo-32.png

Description

Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses through various loan programs including SBA 7(a). With a strong focus on business growth and development, it provides tailored financing solutions for entrepreneurs and established companies alike. The bank’s expertise extends to handling large approval amounts, up to $1,080,000, ensuring access to significant capital for diverse business needs. Its experienced team guides clients through the application process, helping them navigate SBA requirements efficiently. Located in Saint Charles, Illinois, the bank is committed to fostering local economic growth while serving a broad range of industries. Its primary NAICS code 238990 indicates a focus on specialized construction services, aligning with its strengths in supporting construction-related businesses. The bank’s longstanding history with SBA programs underscores its dedication to small business success, offering personalized service and expert advice to facilitate funding approval and business expansion.

Location

Review

Login to Write Your Review

There are no reviews yet.

Q&A

Lender Type
Commercial Bank
Google Rating
4
Google Review Count
27
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA lending services, specializing in small business loans including SBA 7(a). You can find expert guidance, loan options, and support for business growth and expansion.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The branch typically operates during regular business hours from Monday to Friday, 9 AM to 5 PM, but it is best to confirm directly with the branch.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or consult; however, loan processing involves fees such as guaranty fees and closing costs, which are disclosed during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
The services are primarily available to small business owners and entrepreneurs within the bank"s regional area, but eligibility depends on meeting loan criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is generally recommended for SBA loan qualification, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the completeness of application materials and loan complexity.
Scroll to Top