Lindell Bank & Trust Company
Lindell Bank & Trust Company is an active SBA lender in the United States, a bank offering SBA-guaranteed small-business loans. Currently rated 3.5 stars across 28 Google reviews.
$18M
in SBA approvals since 2010
26
SBA loans funded
Hotels & Lodging · General Retail · Manufacturing
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Lindell Bank & Trust Company
Lindell Bank & Trust Company 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 programs, the bank provides flexible financing options including the popular 7(a) loan program, which is ideal for a variety of business purposes such as working capital, equipment purchase, or real estate acquisition. Their experienced team works closely with clients to understand their unique needs and guide them through the application process, ensuring a smooth experience from start to finish. Located in Saint Louis, Missouri, Lindell Bank & Trust Company is committed to supporting local businesses and fostering economic development in the region. The bank's SBA offerings are designed to help entrepreneurs access capital with favorable terms, including competitive interest rates and extended repayment periods. Whether you're a startup or an established business, Lindell Bank & Trust Company provides personalized service to help you achieve your business goals and secure the funding you need to succeed.
Common questions about Lindell Bank & Trust Company
What is this place and what can I find here?
This is a bank that offers SBA lending programs designed to help small businesses access capital for various needs. You can find personalized support, competitive loan options, and expert guidance to assist with your business financing requirements.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours. Calling ahead can help you prepare for your visit and expedite the process.
What are the hours of operation?
Lindell Bank & Trust Company operates Monday through Thursday 8:30 AM to 5:00 PM, Friday 8:30 AM to 6:00 PM, and Saturday 8:30 AM to 12:00 PM. Please confirm current hours with the bank directly.
Is there a fee to use this?
There are no fees for simply visiting the bank; however, there may be application and processing fees associated with SBA loans. These fees vary depending on the loan type and amount.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and entrepreneurs in the Saint Louis region. While open to local businesses, eligibility for SBA loans depends on meeting specific criteria and qualification standards.
What minimum personal credit score does this bank look for in a guarantor?
The bank generally looks for a minimum personal credit score of 620 to qualify for SBA loans, though higher scores improve approval chances.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Yes, Lindell Bank & Trust Company is open on Saturdays from 8:30 AM to 12:00 PM. Contact the bank to confirm if their SBA lending staff is available on Saturday.
How do I get there and where do I park?
Lindell Bank & Trust Company 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 Lindell Bank & Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Lindell Bank & Trust Company itself, which runs its own lending under its own ownership. If you work at Lindell Bank & Trust Company, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Lindell Bank & Trust Company — 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 Lindell Bank & Trust Company before applying. If you represent Lindell Bank & Trust Company, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Lindell Bank & Trust Company by phone at (314) 645-7700 or email info@lindell-bank.com. Contact them to ask about SBA loans specifically.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Lindell Bank & Trust Company 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 Lindell Bank & Trust Company 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 Lindell Bank & Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact Lindell Bank & Trust Company 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. Lindell Bank & Trust Company 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. Lindell Bank & Trust Company's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Lindell Bank & Trust Company 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 Lindell Bank & Trust Company 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 Lindell Bank & Trust Company 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 Lindell Bank & Trust Company 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. Lindell Bank & Trust Company weighs this case by case under its own policy, so be upfront about your history and ask Lindell Bank & Trust Company how it evaluates prior bankruptcies.