St. Louis Bank
St. Louis Bank is an active SBA lender in Missouri, a bank offering SBA-guaranteed small-business loans. Currently rated 4.6 stars across 23 Google reviews.
$278M
in SBA approvals since 2010
258
SBA loans funded
Construction & Contractors · Manufacturing · General Retail
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About St. Louis Bank
St. Louis Bank offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financial growth. With a focus on supporting local entrepreneurs, the bank provides a range of loan options including the popular SBA 7(a) program, which is ideal for working capital, equipment, and real estate financing. The bank's experienced team guides clients through the application process, ensuring clarity and efficiency from initial consultation to loan closing. Their commitment to personalized service helps businesses navigate the complexities of SBA loans, making it easier to access the capital needed for expansion or operational needs. Whether you're a startup or an established enterprise, St. Louis Bank's SBA offerings are designed to meet diverse business needs with flexible terms and competitive rates. The bank also provides resources and support to help borrowers understand eligibility requirements and streamline the approval process, fostering growth within the local economy. Their dedication to community development and small business success makes them a trusted partner for entrepreneurs in the St. Louis area and beyond.
Serves SBA borrowers in 3 states
St. Louis Bank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries St. Louis Bank finances
Business types St. Louis Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about St. Louis Bank
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and small business financing solutions. You can find information about loan options, application processes, and personalized support to help grow your business.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours.
What are the hours of operation?
St. Louis Bank operates from 9:00 AM to 5:00 PM, Monday through Friday. Please confirm current hours with the lender.
Is there a fee to use this?
There are no fees to visit the bank, but loan application and processing fees may apply depending on the financing options chosen.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and entrepreneurs in the region, but eligibility depends on meeting specific loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required for guarantors.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 45 days, depending on the completeness of your application and documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and St. Louis 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 St. Louis Bank to confirm current weekend availability before you go.
How do I get there and where do I park?
St. Louis 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.
Who owns or operates this listing?
This page is an independent directory listing for St. Louis Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by St. Louis Bank itself, which runs its own lending under its own ownership. If you work at St. Louis Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for St. Louis 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 St. Louis Bank before applying. If you represent St. Louis Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
St. Louis Bank can be reached at (314) 851-6200 or by email at hello@stlouisbank.com. Please confirm with the lender for SBA loan inquiries.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, St. Louis Bank most often finances businesses in general retail, manufacturing, construction & contractors, restaurants & food service, cleaning, landscaping & janitorial, and medical practices & clinics. This reflects St. Louis 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 St. Louis Bank 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 St. Louis Bank participates in SBA Express depends on its specific SBA lending authority. Contact St. Louis Bank 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. Louis Bank 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. Louis Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask St. Louis Bank 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. Louis Bank 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. Louis Bank 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. Louis Bank 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. Louis Bank weighs this case by case under its own policy, so be upfront about your history and ask St. Louis Bank how it evaluates prior bankruptcies.
