GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
504
2010–2026
Total Volume
$328M
Gross loan amounts
States Active
5
With recorded loans
Programs
504
504 total segments
St. Charles County Economic Development is a 504-only lender, which means they focus exclusively on real estate and equipment financing. This specialization can be beneficial for businesses looking to expand or purchase property, but those seeking working capital or general business loans may need to look elsewhere.
The average deal size at St. Charles County is $649,819, with a significant portion of deals (172) falling between $150K and $350K. If your financing needs align with this range, you may find this lender to be a good fit, especially for existing businesses looking to expand.
With 85% of their deals going to existing businesses, St. Charles County is well-positioned to support established companies. However, their growth trend shows no year-over-year increase, indicating a potentially stagnant lending environment. This could affect approval rates or the willingness to take on new risks.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 504 504 loans, which use fixed SBA debenture rates.
States where St. Charles County Economic De has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
Specialty Trade Contractors
Construction
Social Assistance
Health Care & Social Assistance
Auto Dealers & Parts
Retail Trade
Other Repair & Services
Other Services
+ 7 more
All recorded SBA lending activity for St. Charles County Economic De, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Manufacturing · $150K – $350K | 504 | 25 | — | $258K | Q4 2023 |
| Missouri · Restaurants & Food Service · $500K – $1M | 504 | 18 | — | $697K | Q3 2024 |
| Missouri · Manufacturing · $500K – $1M | 504 | 14 | — | $762K | Q4 2024 |
| Missouri · Restaurants & Food Service · $150K – $350K | 504 | 14 | — | $245K | Q3 2025 |
| Missouri · Manufacturing · $1M – $2M | 504 | 13 | — | $1.3M | Q3 2025 |
| Missouri · Auto Repair & Maintenance · $150K – $350K | 504 | 12 | — | $224K | Q4 2025 |
| Missouri · Other Repair & Services · $150K – $350K | 504 | 11 | — | $217K | Q3 2024 |
| Missouri · Manufacturing · $350K – $500K | 504 | 10 | — | $429K | Q2 2021 |
| Missouri · Specialty Trade Contractors · $150K – $350K | 504 | 10 | — | $234K | Q1 2025 |
| Missouri · Wholesale Trade · $500K – $1M | 504 | 9 | — | $676K | Q2 2021 |
| Missouri · Restaurants & Food Service · $350K – $500K | 504 | 9 | — | $408K | Q1 2024 |
| Missouri · Wholesale Trade · $350K – $500K | 504 | 8 | — | $428K | Q4 2022 |
| Missouri · Restaurants & Food Service · Under $150K | 504 | 7 | — | $112K | Q3 2024 |
| Missouri · Manufacturing · $2M – $5M | 504 | 7 | — | $2.9M | Q4 2024 |
| Missouri · Wholesale Trade · $150K – $350K | 504 | 7 | — | $266K | Q1 2023 |
| Missouri · Social Assistance · $150K – $350K | 504 | 7 | — | $231K | Q3 2024 |
| Missouri · Social Assistance · $1M – $2M | 504 | 7 | — | $1.4M | Q4 2019 |
| Missouri · Auto Dealers & Parts · $500K – $1M | 504 | 7 | — | $622K | Q3 2019 |
| Missouri · Finance & Insurance · $150K – $350K | 504 | 6 | — | $259K | Q1 2024 |
| Missouri · Building Construction · $150K – $350K | 504 | 6 | — | $236K | Q1 2023 |
| Missouri · Retail Trade · $500K – $1M | 504 | 6 | — | $567K | Q3 2022 |
| Missouri · Retail Trade · $150K – $350K | 504 | 6 | — | $204K | Q2 2017 |
| Missouri · Auto Dealers & Parts · $1M – $2M | 504 | 5 | — | $1.6M | Q3 2017 |
| Missouri · Administrative & Waste Services · $150K – $350K | 504 | 5 | — | $213K | Q1 2018 |
| Missouri · Other Repair & Services · $500K – $1M | 504 | 5 | — | $697K | Q2 2025 |
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