St. Louis Bank
- Loans
- 20
- Approved
- $27M
- Median deal
- $890,000
- Median rate
- 10.25%
#103 of 249 by loans, FY2025 to FY2026 Q3
gross approvals
national $709,300
national 9.25% at approval
Loans per fiscal year
FY2026 is partial: 0 loans approved through June 30, 2026.
| Fiscal year | Loans |
|---|---|
| FY2020 | 21 |
| FY2021 | 21 |
| FY2022 | 20 |
| FY2023 | 18 |
| FY2024 | 16 |
| FY2025 | 20 |
| FY2026 (partial year, through June 30, 2026) | 0 |
How they lend
Across 20 change-of-ownership loans, FY2025 to FY2026 Q3.
Acquisition share of their 7(a) lending
Acquisitions 116 (67.4%)Other purposes 56 (32.6%)
Their full 7(a) book since FY2020 is 172 loans. Every other figure on this page counts the 116 acquisition loans only.
Initial rate structure
Variable 100.00%Fixed 0.00%
- Middle half of rates
- 10.25% to 10.31%
- Typical margin over Prime
- Prime + 2.75% at approval (20 variable loans)
- Median term
- 120 months
- Collateral reported
- 100.00% of loans
- Sold on the secondary market
- 95.00% of loans
- Franchise loans
- 10.00% of loans
- Approval to first disbursement
- 8 days (n = 19)
Processing method
| Preferred Lenders Program | 100.00% |
SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.
What they fund
Industries and deal sizes across 20 change-of-ownership loans, FY2025 to FY2026 Q3.
Top industries
| Administrative and Support and Waste Management and Remediation Services | 20.00% | |
| Construction | 15.00% | |
| Manufacturing | 15.00% | |
| Wholesale Trade | 15.00% | |
| Retail Trade | 10.00% |
Deal size mix
Under $350K 15.00%$350K to $1M 40.00%$1M to $3.5M 35.00%$3.5M+ 10.00%
Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.
St. Louis Bank: SBA acquisition lending, answered
Does St. Louis Bank make SBA acquisition loans?
Yes. St. Louis Bank was approved for 116 SBA 7(a) change-of-ownership loans since FY2020, including 20 in FY2025 to FY2026 Q3. That ranks it #103 of 249 acquisition lenders by loan count in that window. Acquisitions are 67.4% of its 7(a) lending; the rest are startups, expansions, and working capital.
What interest rates does St. Louis Bank charge on SBA loans?
Across its FY2025 to FY2026 Q3 acquisition loans, the median rate at approval was 10.25%, against a national median of 9.25%. Half of them started between 10.25% and 10.31%. Its variable-rate loans priced around Prime + 2.75%. Most 7(a) loans float over Prime, so these are rates at approval, not what a borrower pays today.
How large are St. Louis Bank's SBA acquisition loans?
The median deal was $890,000, against a national median of $709,300. In total it has approved $27M in gross change-of-ownership loans over FY2025 to FY2026 Q3.
How fast does St. Louis Bank fund an SBA loan?
Across the 19 loans that report both dates, the median time from approval to first disbursement was 8 days. Actual timelines vary with the deal and the documentation.
What kinds of businesses does St. Louis Bank finance?
Its FY2025 to FY2026 Q3 acquisition loans concentrate in Administrative and Support and Waste Management and Remediation Services and Construction. 10.00% of its acquisition loans went to franchises. The full industry and deal-size mix is above.
Run a deal at these rates
The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.
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Browse all lendersSource: SBA 7(a) FOIA file, change-of-ownership loans for St. Louis Bank. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.