Bank Star

This is a local bank offering SBA loan programs designed to help small businesses grow and succeed. You can find information about financing options, application requirements, and personalized support for your business needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment.

There may be application and closing fees associated with SBA loans, but specific fee details can be discussed during the consultation.

This bank primarily serves small business owners and entrepreneurs within its regional service area, but eligibility depends on meeting loan requirements.

A minimum personal credit score of 620 is generally required to qualify for SBA loans at this bank.

The underwriting process typically takes around 2 to 4 weeks, depending on the completeness of your application and supporting documents.

Most banks keep weekday business hours and are closed on weekends, and Bank Star typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Bank Star to confirm current weekend availability before you go.

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

The core details for Bank Star — 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 Bank Star before applying. If you represent Bank Star, claim this listing to keep its information up to date.

You can reach Bank Star by phone at (636) 257-2265 or online at bank-star.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Bank Star before relying on them.

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

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Bank Star can confirm its current PLP standing — ask before you apply if speed matters to you.

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