Bank of Franklin County
Bank of Franklin County is an active SBA lender in Missouri, a bank offering SBA-guaranteed small-business loans. Currently rated 3.0 stars across 22 Google reviews.
$41M
in SBA approvals since 2010
85
SBA loans funded
Manufacturing · Restaurants & Food Service · Construction & Contractors
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Bank of Franklin County
Bank of Franklin County offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and development. With a focus on small business needs, it provides various loan options including SBA 7(a) loans, which are ideal for working capital, equipment purchase, or expansion projects. The bank is committed to helping entrepreneurs access the capital they need to succeed, offering personalized service and flexible terms. Located in Washington, Missouri, this institution understands the local market and strives to support regional economic development through its SBA programs. Whether you're a startup or an established business, Bank of Franklin County provides guidance and financing options to meet your unique requirements. Their team works closely with clients to navigate the application process and secure funding efficiently, ensuring a smooth experience from application to approval. The bank also offers expertise in SBA loan eligibility and documentation, making it easier for small business owners to access government-backed financing. With a history of supporting small businesses, they are a trusted partner in the local business community, dedicated to fostering growth and sustainability.
Industries Bank of Franklin County finances
Business types Bank of Franklin County actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Bank of Franklin County
What is this place and what can I find here?
This is a bank that offers SBA loan programs and small business financing solutions designed to help entrepreneurs grow and succeed. You can find assistance with loan applications, guidance on eligibility, and access to government-backed funding options tailored to small businesses in the region.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.
What are the hours of operation?
Lobby hours at Bank of Franklin County branches are Monday–Thursday 8:30 AM–5:00 PM, Friday 8:30 AM–6:00 PM, and Saturday 8:30 AM–Noon. The Ellisville branch closes Saturday and operates Monday–Friday only. Confirm hours for your specific branch.
Is there a fee to use this?
There are no fees for simply visiting the bank, but loan application and processing fees may apply if you pursue financing options. These fees are typically disclosed upfront during the application process.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and entrepreneurs in the Washington, MO area, but eligibility for SBA loans is based on business criteria rather than residency alone. Business owners from the region are encouraged to apply.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 is generally preferred, though other factors such as business financials and collateral are also considered during the approval process.
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 completeness of your application and the complexity of your financial situation. Working closely with the bank can help expedite the process.
Is this open on weekends?
Most Bank of Franklin County branches are open on Saturday from 8:30 AM to Noon. The Ellisville location is closed weekends. Confirm with your branch.
How do I get there and where do I park?
Bank of Franklin County 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 Bank of Franklin County, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bank of Franklin County itself, which runs its own lending under its own ownership. If you work at Bank of Franklin County, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Bank of Franklin County — 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 of Franklin County before applying. If you represent Bank of Franklin County, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Bank of Franklin County by phone at (636) 239-6600 or online at bankoffranklincounty.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 of Franklin County before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Bank of Franklin County most often finances businesses in manufacturing, restaurants & food service, construction & contractors, food manufacturing & processing, and wholesale & distribution. This reflects Bank of Franklin County'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 Bank of Franklin County 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 Bank of Franklin County participates in SBA Express depends on its specific SBA lending authority. Contact Bank of Franklin County 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. Bank of Franklin County 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. Bank of Franklin County's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bank of Franklin County 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 Bank of Franklin County 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 Bank of Franklin County 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 Bank of Franklin County 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. Bank of Franklin County weighs this case by case under its own policy, so be upfront about your history and ask Bank of Franklin County how it evaluates prior bankruptcies.
