Business Finance (Lending)

SBA 504 Loans Program is offered by the St. Louis Economic Development Partnership through the United States Small Business Administration (SBA). We partner with the SBA and a bank or credit union to provide businesses with better financing options for their real estate or non-mobile equipment purchases. The Partnership is authorized to make SBA 504 loans throughout the entire State of Missouri, as well as the Illinois counties located in the St. Louis metropolitan area.

Program Advantages

• Up to a 25-year fixed rate and term
• Low down payment (as low as 10%)
• Below market interest rates
• Safer option for lenders

For more information call 314-615-7663 or email [email protected].

Borrower Information 

St. Louis City Forms:

SBA 504 Full Application

Personal History Statement

SBA 504 Loan Assistance Agreement & Disclosure of Fees

Business Debt Schedule

Prior Government Financing

St. Louis County Forms:

SBA 504 Full Application

Personal History Statement

SBA 504 Loan Assistance Agreement & Disclosure of Fees

Business Debt Schedule

Prior Government Financing

To encourage economic activity and job creation in the region, STL Partnership provides specialty loans to existing businesses or qualified startups in the City of St. Louis and St. Louis County. Utilizing funds from federal agencies such as the Economic Development Administration (EDA), along with funds from local sources, the Partnership provides low-interest, subordinated loans and can be an essential part of the capital stack to make your business expansion a reality. Loan funds may be used for working capital needs and the purchase of inventory, equipment, machinery, real estate, and other fixed assets These programs are subject to availability.

To learn more about programs that your project may qualify for, please call 314-615-7663 or email [email protected].

Download the Application ›

St. Louis City:

RLF Full Application

Personal Financial Statement

St. Louis County:

RLF Full Application

Personal Financial Statement

Program Details 

• Borrower must have been turned down for traditional funding or working with a bank or credit union for funding.
• Must be a for-profit business located in St. Louis City and St. Louis County
• Loan funds may be used for working capital needs and the purchase of inventory, equipment, machinery, real estate, and other fixed assets
• Amounts ranging from $30,000 to $150,000
• We offer a low interest rate
• Loan terms will be determined by the nature of the project, with most terms ranging from three to seven years

Instructions for Filling Out the Application 

1. If you have Adobe reader pro on your computer, skip to step 2. If not, click here to download your free reader.
2. Click here to download the application. Please note you will need to download the application before you fill in the document.
3. Open and save the downloaded application.
4. Fill out the application. When you reach the bottom of the document, you will be asked to digitally sign the document. If you do not want to digitally sign the document, you can now print the filled-in form, sign in ink, scan the document to your computer in order for you to email it back to us. Remember to save your document
5. Email the digitally signed or scanned document to Zach Folk at [email protected].

Download the Application ›

Have any questions about the program?

Darrell Scott

[email protected]

St. Louis City:

RLF Full Application

Personal Financial Statement

St. Louis County:

RLF Full Application

Personal Financial Statement

A low-cost, long-term program for manufacturers, 501(c)3 organizations, multi-family housing developments, and special taxing districts to purchase fixed assets such as land, real estate, and/or new equipment. Through the St. Louis County Industrial Development Authority, an organization can issue tax-exempt bonds for projects over $2,000,000 for up to a 30-year amortization.

Upfront costs of issuing tax-exempt bonds are typically greater than the costs associated with a conventional bank loan, but these costs are offset typically in 12-18 months due to the savings generated by the lower interest rates in a bond issuance.

To learn more about programs that your project may qualify for, please call 314-615-7663 or email [email protected].

Download the Application ›