St. Johns Bank and Trust Company
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by St. Johns Bank and Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 624120 | Services for the Elderly and Persons with Disabilities | 8 | $2.7M | $338K | 9.1% |
| 722330 | Mobile Food Services | 8 | $2.0M | $250K | 9.1% |
| 237130 | Power and Communication Line and Related Structures Construction | 8 | $1.9M | $236K | 9.1% |
| 312120 | Breweries | 8 | $2.6M | $320K | 9.1% |
| 811198 | All Other Automotive Repair and Maintenance | 8 | $792K | $99K | 9.1% |
| 312130 | Wineries | 8 | $25.9M | $3.2M | 9.1% |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 8 | $3.3M | $414K | 9.1% |
| 811192 | Car Washes | 8 | $2.2M | $280K | 9.1% |
| 624410 | Child Day Care Services | 8 | $1.7M | $207K | 9.1% |
| 447110 | Gasoline Stations with Convenience Stores | 8 | $9.6M | $1.2M | 9.1% |
Geographic Distribution
SBA lending activity for St. Johns Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Missouri (MO) | 88 | $53.9M | 100.0% |
Why Choose St. Johns Bank and Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 88 SBA loans approved, totaling $53.9M in financing
- ✓Industry Expertise: Specialized focus on Services for the Elderly and Persons with Disabilities, Mobile Food Services, Power and Communication Line and Related Structures Construction
- ✓Competitive Terms: Average interest rate of 6.23% with flexible term lengths averaging 208 months
- ✓Loan Range: Loan sizes from $99K to $3.2M, with an average of $613K
- ✓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. Johns Bank and Trust Company SBA lending
What types of businesses does St. Johns Bank and Trust Company typically finance?
St. Johns Bank and Trust Company specializes in SBA 7(a) lending to specific industries including services for the elderly and persons with disabilities, mobile food services, power and communication line and related structures construction, breweries. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are St. Johns Bank and Trust Company's typical SBA loan terms?
St. Johns Bank and Trust Company's SBA 7(a) loans typically feature an average interest rate of 6.23% and average term length of 208 months (approximately 17 years). Loan sizes range from $99K to $3.2M, with an average loan size of $613K.
Do I need a business valuation for a St. Johns Bank and Trust Company SBA loan?
Yes, St. Johns Bank and Trust Company 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. Johns Bank and Trust Company compare to other SBA lenders?
St. Johns Bank and Trust Company has originated 88 SBA loans totaling $53.9M 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. Johns Bank and Trust Company lend in?
St. Johns Bank and Trust Company 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.
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