Bank of St. Francisville

This is a financial institution offering SBA loan programs and business financing solutions designed to help small businesses grow and succeed. You can find personalized support, loan options, and expert advice tailored to 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.

Typically, the bank operates from 9:00 AM to 5:00 PM, Monday through Friday, but it's best to call ahead for specific hours.

There are no fees for simply visiting or consulting; fees apply only to specific loan processing and closing costs.

This bank primarily serves small business owners and residents within the region, but eligibility depends on meeting loan criteria.

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

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Bank of St. Francisville 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 of St. Francisville to confirm current weekend availability before you go.

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

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

You can reach Bank of St. Francisville by phone at (225) 635-6397 or online at bsf.net — 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 St. Francisville before relying on them.

Like most SBA lenders, Bank of St. Francisville 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 of St. Francisville 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 of St. Francisville participates in SBA Express depends on its specific SBA lending authority. Contact Bank of St. Francisville 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 of St. Francisville 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 of St. Francisville's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bank of St. Francisville 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 of St. Francisville 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 of St. Francisville 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 of St. Francisville 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 of St. Francisville weighs this case by case under its own policy, so be upfront about your history and ask Bank of St. Francisville how it evaluates prior bankruptcies.