Belgrade State Bank

This is a local bank specializing in SBA financing options, offering small business loans, guidance, and personalized banking services to support business growth and community development.

It's recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-ins are also welcome during business hours.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment.

There are no fees to visit or consult; however, loan processing and application fees may apply depending on the services used.

This bank primarily serves local residents and businesses within the region, but some services may be available to out-of-area clients upon request.

A minimum personal credit score of around 640 is generally preferred, but approval depends on overall financial health and collateral.

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

Belgrade State Bank is open on Saturday with regular Saturday business hours, though specific times are not stated on their website. Please contact the bank directly at (573) 766-5315 to confirm exact weekend hours.

Belgrade State Bank 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.

This page is an independent directory listing for Belgrade State Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Belgrade State Bank itself, which runs its own lending under its own ownership. If you work at Belgrade State Bank, you can claim this listing from this page to manage it.

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

You can reach Belgrade State Bank by phone at (573) 766-5315 or online at belgradestatebank.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 Belgrade State Bank before relying on them.

Based on its approved SBA loans, Belgrade State Bank most often finances businesses in general retail, fitness & recreation, medical practices & clinics, construction & contractors, and restaurants & food service. This reflects Belgrade State Bank'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 Belgrade State Bank which sectors 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 Belgrade State Bank participates in SBA Express depends on its specific SBA lending authority. Contact Belgrade State Bank 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. Belgrade State Bank 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. Belgrade State Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Belgrade State Bank 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 Belgrade State Bank 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 Belgrade State Bank 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 Belgrade State Bank 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. Belgrade State Bank weighs this case by case under its own policy, so be upfront about your history and ask Belgrade State Bank how it evaluates prior bankruptcies.