St. Johns Bank and Trust Company
St. Johns Bank and Trust Company is an active SBA lender in Missouri, a bank offering SBA-guaranteed small-business loans. Currently rated 3.8 stars across 31 Google reviews.
$34M
in SBA approvals since 2010
61
SBA loans funded
Restaurants & Food Service · Food Manufacturing & Processing · Hotels & Lodging
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About St. Johns Bank and Trust Company
St. Johns Bank and Trust Company offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on small business financing, the bank provides various SBA loan programs including the popular 7(a) loan program, which helps entrepreneurs access capital with flexible terms and competitive rates. The bank's experienced lending team guides clients through the application process, ensuring clarity and support at every step. Located in Saint Louis, Missouri, the bank serves local businesses but also supports clients across the region with its extensive banking expertise. Whether you're looking for working capital, equipment financing, or real estate loans, this bank is equipped to meet diverse small business needs. The bank's commitment to small business success is reflected in its personalized service and tailored lending solutions designed to help entrepreneurs thrive. With a record approval amount of up to $414,000, the bank is well-positioned to support a wide range of business sizes and industries, especially those aligned with NAICS code 531130, which pertains to real estate activities. Clients benefit from the bank's deep understanding of SBA programs and its dedication to fostering economic growth within the community.
Industries St. Johns Bank and Trust Company finances
Business types St. Johns Bank and Trust Company actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about St. Johns Bank and Trust Company
What is this place and what can I find here?
This is a commercial bank that provides SBA lending options and small business financing solutions, including SBA 7(a) loans, to support business growth and expansion.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure personalized service, but walk-ins are also accommodated during business hours.
What are the hours of operation?
St. Johns Bank operates Monday through Friday from 9:00 AM to 5:00 PM. Some locations also offer Saturday hours from 9:00 AM to noon. Confirm specific hours with your local branch.
Is there a fee to use this?
There are standard fees associated with SBA loans, including application and closing costs, which vary depending on the loan specifics.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners in the Saint Louis region, but eligibility depends on meeting SBA and bank criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is typically preferred, but stronger credit profiles improve approval chances.
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 completeness of the application and supporting documents.
Is this open on weekends?
St. Johns Bank is open on Saturdays from 9:00 AM to noon at most locations. Confirm weekend availability at your specific branch.
How do I get there and where do I park?
St. Johns Bank and Trust Company 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.
Who owns or operates this listing?
This page is an independent directory listing for St. Johns Bank and Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by St. Johns Bank and Trust Company itself, which runs its own lending under its own ownership. If you work at St. Johns Bank and 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 St. Johns Bank and 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 St. Johns Bank and Trust Company before applying. If you represent St. Johns Bank and Trust Company, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach St. Johns Bank by phone at (314) 428-1000, online at stjohnsbank.com, or via their contact form at stjohnsbank.com/connect/contact-us. Confirm with the bank to reach the SBA lending team.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, St. Johns Bank and Trust Company most often finances businesses in restaurants & food service and automotive repair & services. This reflects St. Johns Bank and Trust Company's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with St. Johns Bank and Trust Company which sectors 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 St. Johns Bank and Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact St. Johns Bank and 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. St. Johns Bank and 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. St. Johns Bank and Trust Company's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask St. Johns Bank and 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 St. Johns Bank and 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 St. Johns Bank and 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 St. Johns Bank and 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. St. Johns Bank and Trust Company weighs this case by case under its own policy, so be upfront about your history and ask St. Johns Bank and Trust Company how it evaluates prior bankruptcies.
