Enterprise Bank & Trust
Enterprise Bank & Trust is an active SBA lender in the United States, a bank offering SBA-guaranteed small-business loans. Currently rated 4.5 stars across 53 Google reviews.
About Enterprise Bank & Trust
Enterprise Bank & Trust offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on SBA 7(a) loans, this institution provides flexible financing options that include working capital, equipment purchase, and real estate acquisition. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. The bank's strong approval record, with loans up to $3,484,800, demonstrates their commitment to supporting diverse business ventures. Located in Clayton, Missouri, they serve clients across the region, leveraging their deep understanding of local market dynamics and SBA programs to help businesses succeed. Whether you're a startup or an established enterprise, they are equipped to assist with funding solutions that align with your strategic goals.
Common questions about Enterprise Bank & Trust
What is this place and what can I find here?
This is a commercial bank that provides SBA loan programs and financial services for small and medium-sized businesses to support their growth and operational needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also accommodated based on availability.
What are the hours of operation?
Enterprise Bank & Trust's Clayton location operates Monday through Friday from 9:00 AM to 5:00 PM. ATM access is available 24/7. Confirm current hours with the bank directly.
Is there a fee to use this?
There are no fees for initial consultations; however, standard loan application and processing fees may apply during the financing process.
Who is this open to — anyone, or only residents/members?
This bank serves business clients nationwide, regardless of residency, as long as they meet the lending criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of approximately 640 is typically required, but approval depends on the overall financial profile.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
No, the Clayton branch is closed on weekends, though 24-hour ATM access is available.
How do I get there and where do I park?
Enterprise Bank & Trust is located at the address listed on this page — 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.
Who owns or operates this listing?
This page is an independent directory listing for Enterprise Bank & Trust, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Enterprise Bank & Trust itself, which runs its own lending under its own ownership. If you work at Enterprise Bank & Trust, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Enterprise Bank & Trust — 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 Enterprise Bank & Trust before applying. If you represent Enterprise Bank & Trust, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Enterprise Bank & Trust by phone at (314) 725-5500, online at enterprisebank.com, or submit a contact form through their website's Contact Us section. For SBA loans specifically, ask for their business lending or SBA department.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Enterprise Bank & Trust 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 Enterprise Bank & Trust directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Enterprise Bank & Trust participates in SBA Express depends on its specific SBA lending authority. Contact Enterprise Bank & Trust and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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. Enterprise Bank & Trust can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
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. Enterprise Bank & Trust's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Enterprise Bank & Trust directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 Enterprise Bank & Trust what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 Enterprise Bank & Trust to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 Enterprise Bank & Trust to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. Enterprise Bank & Trust weighs this case by case under its own policy, so be upfront about your history and ask Enterprise Bank & Trust how it evaluates prior bankruptcies.