The Maries County Bank
The Maries County Bank is an active SBA lender in Missouri, a bank offering SBA-guaranteed small-business loans. Currently rated 2.3 stars across 3 Google reviews.
$9M
in SBA approvals since 2011
25
SBA loans funded
Hotels & Lodging · General Retail · Salons, Spas & Personal Care
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About The Maries County Bank
The Maries County Bank offers comprehensive SBA lending services tailored to meet the needs of small businesses in the region. With a focus on supporting local entrepreneurs, this bank provides various loan options including the SBA 7(a) program, which is ideal for business acquisitions, working capital, and equipment financing. Their experienced team guides clients through the application process, ensuring smooth approval and funding. Located in Vienna, Missouri, the bank is committed to fostering economic growth within the community by providing accessible financial solutions. Whether you're starting a new venture or expanding an existing business, they aim to deliver personalized service and flexible loan terms to help your business succeed.
Common questions about The Maries County Bank
What is this place and what can I find here?
This is a local SBA lender offering small business loans, including the SBA 7(a) program, to support business growth and development in the Vienna area.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment for personalized service, but walk-ins are also welcome during business hours.
What are the hours of operation?
The Maries County Bank's lobby is open Monday–Friday, 8:00 AM to 4:00 PM, with drive-up service until 5:00 PM on weekdays. Argyle and Vichy branches close daily 12:00 PM–1:00 PM. Confirm specific hours with your branch.
Is there a fee to use this?
There are standard SBA fees associated with loan processing, which vary depending on the loan amount and terms.
Who is this open to — anyone, or only residents/members?
This service is open to small business owners and entrepreneurs in the Vienna, MO area seeking SBA financing.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is generally preferred, but it can vary based on the specific loan and applicant profile.
How long does the traditional underwriting process take from start to close?
Typically, the underwriting process takes approximately 30 to 60 days, depending on the completeness of application and documentation.
Is this open on weekends?
Yes, The Maries County Bank does open on Saturdays from 8:00 AM to 11:00 AM for both lobby (by appointment) and drive-up services. Confirm with your specific branch.
How do I get there and where do I park?
The Maries County 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 The Maries County Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Maries County Bank itself, which runs its own lending under its own ownership. If you work at The Maries County Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for The Maries County 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 The Maries County Bank before applying. If you represent The Maries County Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach The Maries County Bank by phone at (573) 422-3323 or online at mariescountybank.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 The Maries County Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, The Maries County 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 The Maries County 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 The Maries County Bank participates in SBA Express depends on its specific SBA lending authority. Contact The Maries County 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. The Maries County 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. The Maries County Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Maries County 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 The Maries County 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 The Maries County 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 The Maries County 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. The Maries County Bank weighs this case by case under its own policy, so be upfront about your history and ask The Maries County Bank how it evaluates prior bankruptcies.
