Four States Bank, Inc.

This is a community-focused bank offering SBA loan programs and personalized financial services for small businesses. You can find support for growth, equipment financing, and working capital needs tailored to your industry.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may be available during business hours.

Four States Bank's locations operate Monday-Friday, with Drive-Thru hours from 8:30 a.m. to 5 p.m. and Lobby hours from 9 a.m. to 5 p.m.; confirm specific hours for your nearest branch with Four States Bank directly.

There are no fees for initial consultations, but standard loan application and processing fees may apply depending on the loan terms.

This bank primarily serves local residents and small business owners in the region, but they welcome qualified applicants from surrounding areas.

Typically, a minimum personal credit score of 640 is preferred, though higher scores improve approval chances.

The underwriting process generally takes between 2 to 4 weeks, depending on the completeness of your application and documentation.

Four States Bank does not offer weekend hours; business lending services are available Monday through Friday only.

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

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

You can reach Four States Bank by phone at (417) 851-0568 or through their online contact form at 4sb.com/about/contact-us — confirm your SBA loan inquiry directly with them.

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