Farmers and Merchants Bank of St. Clair
Farmers and Merchants Bank of St. Clair is an active SBA lender in Missouri, a bank offering SBA-guaranteed small-business loans. Currently rated 4.7 stars across 143 Google reviews.
$27M
in SBA approvals since 2010
162
SBA loans funded
Restaurants & Food Service · Transportation & Trucking · Automotive Repair & Services
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Farmers and Merchants Bank of St. Clair
Farmers and Merchants Bank of St. Clair offers comprehensive SBA lending services designed to support small businesses in their growth and development. With a focus on the local community, this bank provides tailored financing options including SBA 7(a) loans, which are ideal for business acquisitions, working capital, and equipment purchases. The bank's experienced team guides clients through the application process, ensuring clarity and support at every step. Known for its personalized service, the bank also offers flexible terms and competitive rates to meet diverse business needs. Whether you're starting a new venture or expanding an existing one, Farmers and Merchants Bank of St. Clair is committed to helping local entrepreneurs succeed by providing accessible and reliable SBA financing solutions.
Industries Farmers and Merchants Bank of St. Clair finances
Business types Farmers and Merchants Bank of St. Clair actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Farmers and Merchants Bank of St. Clair
What is this place and what can I find here?
This is a commercial bank that provides SBA loan programs and small business banking services. You can find assistance with financing, business growth strategies, and personalized banking support tailored to small businesses in the Saint Clair area.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a banking specialist, but walk-ins are also accepted during business hours.
What are the hours of operation?
Farmers and Merchants Bank of St. Clair operates multiple locations with varying hours. St. Clair: Mon-Thu 9 AM–5 PM, Fri 9 AM–6 PM, Sat 8 AM–12 PM. High Ridge and Eureka: Mon-Fri 9 AM–5 PM, Sat 9 AM–12 PM. Lonedell has limited Saturday hours. Confirm exact hours for your needed location and services.
Is there a fee to use this?
There are no fees for basic banking inquiries, but certain loan processing fees may apply depending on the service used.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and small business owners in the Saint Clair area, but offers services to qualifying businesses nationwide.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is typically required for SBA loan guarantors.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 30 to 45 days, depending on the completeness of the application and documentation provided.
Is this open on weekends?
Farmers and Merchants Bank of St. Clair is open on Saturdays at most of its locations, typically from 8:00 AM to 12:00 PM (noon), though hours and availability vary by branch. Confirm with your specific location.
How do I get there and where do I park?
Farmers and Merchants Bank of St. Clair 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 Farmers and Merchants Bank of St. Clair, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Farmers and Merchants Bank of St. Clair itself, which runs its own lending under its own ownership. If you work at Farmers and Merchants Bank of St. Clair, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Farmers and Merchants Bank of St. Clair — 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 Farmers and Merchants Bank of St. Clair before applying. If you represent Farmers and Merchants Bank of St. Clair, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Farmers and Merchants Bank of St. Clair by phone at (800) 382-0049 or online at fmb4banking.bank — 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 Farmers and Merchants Bank of St. Clair before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Farmers and Merchants Bank of St. Clair most often finances businesses in transportation & trucking, restaurants & food service, construction & contractors, manufacturing, general retail, and automotive repair & services. This reflects Farmers and Merchants Bank of St. Clair'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 Farmers and Merchants Bank of St. Clair 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 Farmers and Merchants Bank of St. Clair participates in SBA Express depends on its specific SBA lending authority. Contact Farmers and Merchants Bank of St. Clair 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. Farmers and Merchants Bank of St. Clair 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. Farmers and Merchants Bank of St. Clair's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Farmers and Merchants Bank of St. Clair 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 Farmers and Merchants Bank of St. Clair 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 Farmers and Merchants Bank of St. Clair 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 Farmers and Merchants Bank of St. Clair 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. Farmers and Merchants Bank of St. Clair weighs this case by case under its own policy, so be upfront about your history and ask Farmers and Merchants Bank of St. Clair how it evaluates prior bankruptcies.
