St. Charles County Economic Development Council: SBA Lending Record
What SBA's own loan files show about St. Charles County Economic Development Council as an SBA lender, and how a lender's record bears on a feasibility study.
St. Charles County Economic Development Council in SBA data
St. Charles County Economic Development Council, a certified development company on SBA's list under MO, has 260 loans and $201.4 million in gross approvals in the FY2017 to FY2026 data. All are SBA 504; none is SBA 7(a). On a 504 loan the CDC is St. Charles County Economic Development Council of record, and the first-lien lender shows up only as free text, uncredited. The guarantee is SBA's, and the page records holdings.
Missouri only
The state table has one line: Missouri, 254 loans. Of the 260, 196 have no named class. Child care leads the rest with 11, the limited-service restaurant has 10, hotels and motels 9 and the full-service restaurant 6.
When approvals fell away and loans were written off
Take the FY2017 through FY2024 approvals. 24.6% is the cancellation floor. 29.4% is the ceiling if undisbursed loans count. Charged off, FY2017 through FY2021 cohort of 126: floor 0.00% so far, 0.00% by the fifth year after approval. The loans are still open, so the rates may climb.
Planning for delay
A cancellation floor of 24.6% is the figure anyone borrowing should plan around: approval and closing are two events, and that is why a study should leave room in time and cost between them. A 504 financing ties a first-lien loan to the development company's portion, so the study should lay out the whole capital stack. For child care, test how many places are licensed, how fast they fill and what staff cost. For a limited-service restaurant, test counter and drive-through sales against labour. For a hotel, test occupancy and average rate against cost per room. With 196 loans unclassified and the whole file in Missouri, a project of another type or in another state must say why this record applies.
What the 24.6% floor does and does not say
The floor says that no fewer than 24.6% of approvals in the FY2017 to FY2024 window ended in cancellation once approved, according to SBA's data. It does not say why; the page offers no cause. The ceiling of 29.4% adds loans still undisbursed. The zero charge-off floors rest on 126 loans still open. Together, the figures describe 260 loans held by one development company, and a reader should use them to plan, not to predict.
SBA loans held by St. Charles County Economic Development Council
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 260 |
|---|---|
| Gross dollars approved | $201.4 million |
| SBA 7(a) loans | 0 |
| SBA 504 loans | 260 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 24.6% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 29.4% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 0.00% |
| Charged off within five years of approval | 0.00% |
| Loans in that cohort | 126 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 196 |
| Child care center | 11 |
| Limited-service restaurant | 10 |
| Hotel and motel | 9 |
| Full-service restaurant | 6 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Missouri | 254 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-cdc-0188202.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study consultant
- Enterprise Bank & Trust: SBA Lending Record
- First Bank of the Lake: SBA Lending Record
- Midwest Regional Bank: SBA Lending Record
- OakStar Bank: SBA Lending Record
- UMB Bank, National Association: SBA Lending Record
- Rural Missouri, Inc.: SBA Lending Record
- Commerce Bank: SBA Lending Record
- The Bank of Missouri: SBA Lending Record
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