St. Charles Bank & Trust Company, National Association
St. Charles Bank & Trust Company, National Association is an active SBA lender in the United States, a bank offering SBA-guaranteed small-business loans. Currently rated 4.0 stars across 27 Google reviews.
$128M
in SBA approvals since 2010
208
SBA loans funded
Manufacturing · Wholesale & Distribution · Transportation & Trucking
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About St. Charles Bank & Trust Company, National Association
Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses through various loan programs including SBA 7(a). With a strong focus on business growth and development, it provides tailored financing solutions for entrepreneurs and established companies alike. The bank's expertise extends to handling large approval amounts, up to $1,080,000, ensuring access to significant capital for diverse business needs. Its experienced team guides clients through the application process, helping them navigate SBA requirements efficiently. Located in Saint Charles, Illinois, the bank is committed to fostering local economic growth while serving a broad range of industries. Its primary NAICS code 238990 indicates a focus on specialized construction services, aligning with its strengths in supporting construction-related businesses. The bank's longstanding history with SBA programs underscores its dedication to small business success, offering personalized service and expert advice to facilitate funding approval and business expansion.
Common questions about St. Charles Bank & Trust Company, National Association
What is this place and what can I find here?
This is a financial institution offering SBA lending services, specializing in small business loans including SBA 7(a). You can find expert guidance, loan options, and support for business growth and expansion.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
The branch typically operates during regular business hours from Monday to Friday, 9 AM to 5 PM, but it is best to confirm directly with the branch.
Is there a fee to use this?
There are no fees to visit or consult; however, loan processing involves fees such as guaranty fees and closing costs, which are disclosed during the application process.
Who is this open to — anyone, or only residents/members?
The services are primarily available to small business owners and entrepreneurs within the bank's regional area, but eligibility depends on meeting loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is generally recommended for SBA loan qualification, though higher scores improve approval chances.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the completeness of application materials and loan complexity.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and St. Charles Bank & Trust Company, National Association 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 St. Charles Bank & Trust Company, National Association to confirm current weekend availability before you go.
How do I get there and where do I park?
St. Charles Bank & Trust Company offers dedicated parking lots at its Saint Charles location (411 W Main Street). For detailed directions and parking specifics, confirm with the branch at (630) 377-9500.
Who owns or operates this listing?
This page is an independent directory listing for St. Charles Bank & Trust Company, National Association, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by St. Charles Bank & Trust Company, National Association itself, which runs its own lending under its own ownership. If you work at St. Charles Bank & Trust Company, National Association, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for St. Charles Bank & Trust Company, National Association — 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 St. Charles Bank & Trust Company, National Association before applying. If you represent St. Charles Bank & Trust Company, National Association, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach St. Charles Bank & Trust Company, National Association by phone at (630) 377-9500 or online at bankstcharles.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 St. Charles Bank & Trust Company, National Association before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, St. Charles Bank & Trust Company, National Association 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 St. Charles Bank & Trust Company, National Association directly which industries 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 St. Charles Bank & Trust Company, National Association participates in SBA Express depends on its specific SBA lending authority. Contact St. Charles Bank & Trust Company, National Association 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. St. Charles Bank & Trust Company, National Association 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. St. Charles Bank & Trust Company, National Association's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask St. Charles Bank & Trust Company, National Association 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 St. Charles Bank & Trust Company, National Association 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 St. Charles Bank & Trust Company, National Association 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 St. Charles Bank & Trust Company, National Association 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. St. Charles Bank & Trust Company, National Association weighs this case by case under its own policy, so be upfront about your history and ask St. Charles Bank & Trust Company, National Association how it evaluates prior bankruptcies.