Sentry Bank

This is a commercial bank offering SBA loan programs and small business financing solutions designed to help entrepreneurs grow and succeed.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

The bank operates Monday through Friday from 8:30 AM to 5:00 PM, with appointments available outside regular hours upon request.

There are application and processing fees associated with SBA loans, which vary based on the loan size and type.

This bank serves small business owners and entrepreneurs, primarily in the Saint Joseph area but also offers services to clients nationwide.

A minimum personal credit score of 640 is generally preferred, but other factors are also considered during the approval process.

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 Sentry Bank 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 Sentry Bank to confirm current weekend availability before you go.

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

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

You can schedule an appointment with Sentry Bank through their online appointment form at mysentrybank.com/contact/schedule-an-appointment/, or call (320) 363-7721. For SBA loans specifically, ask for their business lending department.

Based on its approved SBA loans, Sentry Bank most often finances businesses in manufacturing, construction & contractors, transportation & trucking, general retail, and restaurants & food service. This reflects Sentry 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 Sentry 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 Sentry Bank participates in SBA Express depends on its specific SBA lending authority. Contact Sentry Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Sentry Bank holds SBA Preferred Lender status, which allows them to approve SBA loans in-house without sending each one to the SBA for approval, resulting in faster lending decisions. They offer government-backed loans up to $5 million to qualifying businesses; confirm current SBA products and loan limits with the lender.

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. Sentry Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Sentry 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 Sentry 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 Sentry 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 Sentry 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. Sentry Bank weighs this case by case under its own policy, so be upfront about your history and ask Sentry Bank how it evaluates prior bankruptcies.