Business Loans

Max Mitts II Brandy Ebers
Max Mitts II
Senior Vice President and Chief Lending Office
(314) 428-1000 ext. 3411
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Brandy Ebers
Vice President and Commercial Lender
(636) 939-3495 ext. 3288
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Ken Kozma James A. O'Donnell
Ken Kozma
Vice President and Commercial Lender
(636) 939-2005 ext. 3903
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James A. O'Donnell
Vice President and Commercial Lender
(314) 428-1059 ext. 3401
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John Uthoff
John Uthoff
Vice President and Commercial Lender
(636) 978-7404 ext. 3609
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Greg Jensen
Assistant Vice President and Commercial Loan Officer
(314) 428-1000 ext. 3535
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Unexpected business expenses? Need extra working capital? More buying power? It's why we're here. Our highly experienced team of commercial lenders will help you evaluate credit and financing options that are right for your business. We take pride in offering fast, personal service.

Commercial Real Estate

Designed for the business owner or investor seeking to purchase or refinance commercial real estate - business or residential.

  • Purchase a new building or buy the property you are currently leasing
  • Combine a construction loan with permanent financing to build a structure that perfectly meets your needs
  • Purchase residential investment properties
  • Competitive rates
  • Loans of up to $5,000,000
  • Personal service from our experienced commercial lenders

 

Construction/Development

Designed for commercial customers or investors seeking to finance the construction and/or development phase of a commercial property to be used as a place of business, rental, or to sell upon completion. Our experienced commercial bankers will advise and help you structure the best possible financing arrangement for your project.

  • Develop vacant land into a new retail development
  • Finance pre-sold, spec, and model homes
  • Competitive rates
  • Loans of up to $5,000,000
  • Personal service from our experienced commercial lenders

Revolving Line of Credit

Designed for the business owner seeking instant access to funds for purchases, expenses, and working capital. The line of credit is a fast, convenient, and affordable way to access the funds your business requires.

  • Provides ready cash to meet short-term funding needs such as increasing inventory, dealing with seasonal cash flow issues, or taking advantage of unexpected opportunities
  • You pay interest on the outstanding principal balance each month, and you can access your line by calling your lender
  • Competitive rates
  • Loans of up to $5,000,000
  • Personal service from our experienced commercial lenders

SBA

Designed for the business owner seeking working capital or to finance real estate or business equipment. Gain borrowing strength through a loan guaranteed by the U.S. Small Business Administration. We can also help you obtain a business loan through local loan programs offered through the St. Louis County Economic Council, the St. Charles County Economic Development Center, and other local lending agencies.

  • Personal service from our experienced commercial lenders
  • Visit the Small Business Association website to learn more about their programs and services

 

Term

Designed for the business owner seeking to purchase or refinance business-related assets. It features a predictable repayment schedule over a fixed period of time. We can also provide permanent working capital to keep your business on the right track for the long term. 

  • Terms up to 3-5 years
  • Competitive rates
  • Loans of up to $5,000,000
  • Personal service from our experienced commercial lenders

St. Louis Business Development Fund

St. Johns Bank is a shareholder in the St. Louis Business Development Fund, which makes higher risk loans to, and investments in, smaller companies that show significant potential for success but lack the ability to attract growth capital from traditional sources.  

  • Established in 1994
  • Private, non-profit corporation
  • Owned by 23 area banks and three largest economic development agencies in St. Louis region
  • Managed by St. Louis County Economic Council
  • Visit the St. Louis Business Development Fund website to learn more about their programs and services

Offer of credit is subject to credit approval.