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St. Charles Bank & Trust Company, National Association (IL)
Unlock Your Financial Potential with St. Charles Bank & Trust Company (IL)
St. Charles Bank & Trust Company, a proud member of the Wintrust Community Bank family, serves entrepreneurs and business owners throughout Kane and DuPage Counties with personalized service, local decision-making, and flexible financing solutions.
As part of one of the most active community banking groups in Illinois, St. Charles Bank & Trust provides access to specialized commercial lending, treasury management tools, and SBA loan programs designed to help small businesses grow with confidence.
Key Features of St. Charles Bank & Trust Company (IL)
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Full-Service Business Banking
St. Charles Bank & Trust offers a comprehensive suite of business accounts and financial tools, including:- Business checking & savings
- Merchant services
- ACH & wire services
- Payroll solutions
- Treasury management
- Remote deposit & cash-flow tools
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Strong SBA Loan Capabilities (via Wintrust SBA Lending)
Wintrust, the parent of St. Charles Bank & Trust, is consistently ranked among the top SBA lenders in Illinois and the Midwest.
Through its SBA division, business owners can access:- SBA 7(a) loans
- SBA 504 loans
- SBA Express
These government-backed programs support:
- Working capital
- Equipment purchases
- Owner-occupied commercial real estate
- Business acquisition
- Partner buyouts
- Expansion & renovations
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Commercial Lending for Growing Companies
Beyond SBA financing, St. Charles Bank & Trust provides:- Commercial term loans
- Business lines of credit
- Commercial real estate & construction loans
- Equipment financing
- Illinois-focused industry lending
-
Advanced Digital Banking Tools
Businesses benefit from Wintrust’s powerful digital platform offering:- Mobile & online business banking
- ACH origination
- Wires
- Mobile deposit
- Treasury dashboards and alerts
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Deep Community Commitment
As a true community bank, St. Charles Bank & Trust supports local nonprofits, chambers of commerce, small-business education, and regional economic development programs.
Why Choose St. Charles Bank & Trust for SBA Loans?
As part of Wintrust Community Banks — one of the region’s most active SBA lenders — St. Charles Bank & Trust delivers:
- Faster SBA approvals
- Local underwriting with regional market expertise
- Competitive rates & flexible loan structures
- A dedicated SBA team experienced in complex transactions
- Personalized, relationship-driven support
Whether you’re expanding operations, acquiring a business, opening a second location, or purchasing owner-occupied real estate, St. Charles Bank & Trust provides SBA-backed financing tailored to long-term success.
How to Get Started
Ready to explore SBA financing or open a business banking relationship? Visit the
St. Charles Bank & Trust Business Banking page
to review commercial loan options, check SBA eligibility, and connect with a local business banker.
Empower your financial future today with St. Charles Bank & Trust Company — where Illinois entrepreneurs gain a trusted community partner, strategic guidance, and the capital needed to thrive.
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