St. Mary’s Bank
St. Mary’s Bank is an active SBA lender in the United States, a bank offering SBA-guaranteed small-business loans. Currently rated 3.4 stars across 99 Google reviews.
About St. Mary’s Bank
St. Mary's Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. As a trusted financial institution, it provides a range of loan options including SBA 7(a) loans, which are ideal for working capital, equipment purchase, or real estate acquisition. The bank specializes in serving small business owners with personalized lending solutions and flexible terms to meet diverse business goals. With a strong focus on community banking, St. Mary's Bank facilitates access to capital through its SBA programs, ensuring clients receive expert guidance throughout the loan process. The institution's experienced team works closely with borrowers to understand their unique needs and craft customized financing plans. Whether you're starting a new venture or expanding an existing one, the bank's SBA offerings are designed to support your business ambitions and foster growth in the local economy.
Common questions about St. Mary’s Bank
What is this place and what can I find here?
This is a community-focused bank offering a range of financial services, including SBA loans, to support small business growth and development.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to meet with a lending specialist, but walk-in consultations may be available depending on the branch's schedule.
What are the hours of operation?
St. Mary's Bank's Manchester-McGregor Street location lobby is open Monday through Friday from 8:00 AM to 5:00 PM, with extended drive-up hours until 6:00 PM on Thursday and Friday. Please confirm current hours with the bank at (603) 629-1651.
Is there a fee to use this?
There are no fees to access basic banking services; however, specific loan products may have associated fees and interest charges.
Who is this open to — anyone, or only residents/members?
The bank primarily serves local residents and small business owners within its regional service area, but some services are available to non-residents as well.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 or higher is generally preferred for loan approval.
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 complexity of the loan and completeness of application materials.
Is this open on weekends?
Yes, St. Mary's Bank's Manchester-McGregor Street location is open on Saturdays from 8:00 AM to 12:30 PM for lobby service. Please confirm with the bank before visiting.
How do I get there and where do I park?
St. Mary’s Bank is located at the address listed on this page — 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. Mary’s Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by St. Mary’s Bank itself, which runs its own lending under its own ownership. If you work at St. Mary’s 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. Mary’s 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. Mary’s Bank before applying. If you represent St. Mary’s Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach St. Mary’s Bank by phone at (603) 629-1500 or online at stmarysbank.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. Mary’s Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, St. Mary’s Bank 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. Mary’s Bank 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. Mary’s Bank participates in SBA Express depends on its specific SBA lending authority. Contact St. Mary’s 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. Mary’s 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. Mary’s Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask St. Mary’s 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. Mary’s 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. Mary’s 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. Mary’s 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. Mary’s Bank weighs this case by case under its own policy, so be upfront about your history and ask St. Mary’s Bank how it evaluates prior bankruptcies.