Farmers and Merchants Bank of St. Clair
SBA lender based in Missouri serving 3 states and 44 industries
Farmers and Merchants Bank of St. Clair has funded 206 SBA loans across 3 states and 44 industries. Their average loan size is $192K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile — PeerSense matches your deal against Farmers and Merchants Bank of St. Clair and 897+ alternatives based on closing probability + pricing.
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Book a CallWhy borrowers choose Farmers and Merchants Bank of St. Clair
Farmers and Merchants Bank of St. Clair is best suited for borrowers seeking small-business working capital, startup, and franchise loans, with an average SBA loan of $192K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is Missouri. With 206 SBA loans funded across 3 states, they operate as a regional specialist anchored in Missouri. Their portfolio default rate is 1152.00%. If your deal profile aligns with their underwriting box, this lender is worth a quote — PeerSense matches your specific deal against Farmers and Merchants Bank of St. Clair and 897+ alternatives.
Recent SBA Activity at Farmers and Merchants Bank of St. Clair
Franchise lending: Farmers and Merchants Bank of St. Clair has funded SBA loans for multiple franchise concepts, with the highest volume in U.S. LAWNS, Cambridge Adult Day Centers, and PAPA MURPHY'S TAKE & BAKE PIZZ. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.
Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Social Assistance, and Professional/Technical Services. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are Missouri. Lenders typically underwrite faster in states where they already have closing comps.
Compare Farmers and Merchants Bank of St. Clair to Similar SBA Lenders
Other SBA lenders headquartered in Missouri with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
Looking for SBA Financing?
Tell us about your deal and we'll match you with the right capital source from our network. PeerSense uses proprietary data on lender track records to find the best fit for your industry, location, and loan size.
About Farmers and Merchants Bank of St. Clair SBA Lending
Farmers and Merchants Bank of St. Clair is an SBA lender headquartered in Missouri. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
Farmers and Merchants Bank of St. Clair serves borrowers across 3 states and 44 industry sectors with a regional lending focus. To find out whether Farmers and Merchants Bank of St. Clair is a good fit for your specific deal, reach out to PeerSense for a free lender match.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.
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See Related Rates by Program
PeerSense covers the full commercial capital stack. Rates and structures across our money pages — updated weekly.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive — Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Mezzanine Debt
11.00–18.00%Subordinate to senior, $1M–$50M, capital stack fill
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting