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 · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 624410 | Child Care Services | 4 | $466K | $117K | 6.1% |
| 722513 | Limited-Service Restaurants | 3 | $1.4M | $474K | 4.5% |
| 713940 | Fitness and Recreational Sports Centers | 3 | $281K | $94K | 4.5% |
| 492210 | Local Messengers and Local Delivery | 2 | $98K | $49K | 3.0% |
| 722410 | Drinking Places (Alcoholic Beverages) | 2 | $186K | $93K | 3.0% |
| 524210 | Insurance Agencies and Brokerages | 2 | $230K | $115K | 3.0% |
| 811310 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance | 1 | $512K | $512K | 1.5% |
| 711120 | Dance Companies | 1 | $160K | $160K | 1.5% |
| 561431 | Private Mail Centers | 1 | $52K | $52K | 1.5% |
| 812112 | Beauty Salons | 1 | $45K | $45K | 1.5% |
Geographic Distribution
SBA lending activity for St. Johns Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Missouri (MO) | 65 | $19.9M | 98.5% |
| Illinois (IL) | 1 | $238K | 1.5% |
Why Choose St. Johns Bank and Trust Company?
Based on SBA 7(a) lending track record from 1993-2025
- ✓Proven Track Record: 66 SBA loans approved, totaling $20.1M in financing
- ✓Industry Expertise: Specialized focus on Child Care Services, Limited-Service Restaurants, Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of 5.80% with flexible term lengths averaging 120 months
- ✓Loan Range: Loan sizes from $13K to $3.2M, with an average of $305K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in MO, IL
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 child care services, limited-service restaurants, fitness and recreational sports centers, local messengers and local delivery. 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 5.80% and average term length of 120 months (approximately 10 years). Loan sizes range from $13K to $3.2M, with an average loan size of $305K.
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 66 SBA loans totaling $20.1M since 1993. 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, IL. 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.
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