St. Clair County State Bank
SBA 7(a) Lending Profile · FY 2024 analysis
Industry Focus
Top industries served by St. Clair County State Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 238910 | Site Preparation Contractors | 24 | $2.2M | $91K | 13.0% |
| 238990 | All Other Specialty Trade Contractors | 16 | $589K | $37K | 8.7% |
| 423320 | Brick, Stone, and Related Construction Material Merchant Wholesalers | 16 | $6.8M | $425K | 8.7% |
| 325311 | Nitrogenous Fertilizer Manufacturing | 8 | $800K | $100K | 4.3% |
| 446110 | Pharmacies and Drug Stores | 8 | $2.7M | $341K | 4.3% |
| 811310 | Commercial and Industrial Machinery and Equipment (except Automotive a | 8 | $344K | $43K | 4.3% |
| 812112 | Beauty Salons | 8 | $153K | $19K | 4.3% |
| 561730 | Landscaping Services | 8 | $452K | $57K | 4.3% |
| 812910 | Pet Care (except Veterinary) Services | 8 | $56K | $7K | 4.3% |
| 484121 | General Freight Trucking, Long Distance, Truckload | 8 | $2.3M | $283K | 4.3% |
Geographic Distribution
SBA lending activity for St. Clair County State Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Missouri (MO) | 184 | $26.8M | 100.0% |
Why Choose St. Clair County State Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 184 SBA loans approved, totaling $26.8M in financing
- ✓Industry Expertise: Specialized focus on Site Preparation Contractors, All Other Specialty Trade Contractors, Brick, Stone, and Related Construction Material Merchant Wholesalers
- ✓Competitive Terms: Average interest rate of 5.86% with flexible term lengths averaging 99 months
- ✓Loan Range: Loan sizes from $6K to $500K, with an average of $146K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in MO
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about St. Clair County State Bank SBA lending
What types of businesses does St. Clair County State Bank typically finance?
St. Clair County State Bank specializes in SBA 7(a) lending to specific industries including site preparation contractors, all other specialty trade contractors, brick, stone, and related construction material merchant wholesalers, nitrogenous fertilizer manufacturing. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are St. Clair County State Bank's typical SBA loan terms?
St. Clair County State Bank's SBA 7(a) loans typically feature an average interest rate of 5.86% and average term length of 99 months (approximately 8 years). Loan sizes range from $6K to $500K, with an average loan size of $146K.
Do I need a business valuation for a St. Clair County State Bank SBA loan?
Yes, St. Clair County State Bank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does St. Clair County State Bank compare to other SBA lenders?
St. Clair County State Bank has originated 184 SBA loans totaling $26.8M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does St. Clair County State Bank lend in?
St. Clair County State Bank provides SBA 7(a) financing with particularly strong presence in MO. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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