5,137 SBA loans worth $2.9B went to Missouri businesses between October 2021 and June 2026, from 282 lenders. U.S. Bank made the most 7(a) loans, 512 or 11% of the state's total, and the ten most active lenders made 43%. The median 7(a) loan was $205,000, above the national median of $158,000. Construction was the most financed industry, at 13% of loans. Annual loan count rose 30% from fiscal 2023 to fiscal 2025.
| # | Lender | Loans | Approved | Median loan | To startups | Most common borrower |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank Bank · Cincinnati, OH | 512 | $86.4M | $35,950 | 34% | Construction |
| 2 | OakStar Bank Bank · Springfield, MO | 387 | $280.7M | $318,700 | 39% | Retail |
| 3 | Huntington National Bank Bank · Columbus, OH | 195 | $89.9M | $252,500 | 67% | Other services (repair, personal care) |
| 4 | Central Trust Bank Bank · Jefferson City, MO | 193 | $34.1M | $91,700 | 42% | Restaurants and hotels |
| 5 | Newtek Bank Bank · Miami, FL | 138 | $54.6M | $192,500 | 12% | Health care and social assistance |
| 6 | Northeast Bank Bank · Portland, ME | 135 | $18.0M | $110,000 | 8% | Construction |
| 7 | Live Oak Banking Bank · Wilmington, NC | 133 | $215.2M | $815,000 | 41% | Agriculture, forestry and fishing |
| 8 | Commerce Bank Bank · Kansas City, MO | 132 | $47.1M | $150,000 | 33% | Construction |
| 9 | Bank of Missouri Bank · Perryville, MO | 105 | $38.2M | $232,300 | 54% | Restaurants and hotels |
| 10 | BayFirst National Bank Bank · St. Petersburg, FL | 105 | $14.8M | $150,000 | 1% | Construction |
| 11 | Readycap Lending Non-bank lender · Berkeley Heights, NJ | 101 | $19.6M | $50,000 | 11% | Professional and technical services |
| 12 | Regent Bank Bank · Tulsa, OK | 95 | $55.6M | $333,000 | 36% | Manufacturing |
| 13 | Midwest Regional Bank Bank · Clayton, MO | 89 | $86.7M | $620,000 | 43% | Restaurants and hotels |
| 14 | OMB Bank Bank · Springfield, MO | 86 | $52.1M | $284,750 | 30% | Retail |
| 15 | Bank of Houston Bank · Houston, MO | 69 | $60.5M | $540,000 | 30% | Restaurants and hotels |
| 16 | Arvest Bank Bank · Fayetteville, AR | 69 | $16.7M | $100,000 | 64% | Construction |
| 17 | Southern Bank Bank · Poplar Bluff, MO | 68 | $20.0M | $184,150 | 40% | Retail |
| 18 | UMB Bank Bank · Kansas City, MO | 58 | $23.6M | $259,250 | 34% | Construction |
| 19 | Celtic Bank Bank · Salt Lake City, UT | 52 | $21.5M | $150,000 | 19% | Retail |
| 20 | Callaway Bank Bank · Fulton, MO | 51 | $10.2M | $150,000 | 69% | Other services (repair, personal care) |
| 21 | Equity Bank Bank · Andover, KS | 49 | $20.0M | $202,500 | 39% | Health care and social assistance |
| 22 | Four States Bank Non-bank lender · Carthage, MO | 47 | $21.0M | $250,000 | 38% | Restaurants and hotels |
| 23 | Legacy Bank & Trust Bank · Mountain Grove, MO | 45 | $18.3M | $225,000 | 60% | Other services (repair, personal care) |
| 24 | St. Louis Bank Bank · St. Louis, MO | 43 | $42.6M | $689,000 | 37% | Restaurants and hotels |
| 25 | Guaranty Bank Bank · Springfield, MO | 43 | $13.0M | $180,000 | 37% | Retail |
| # | Certified development company | Loans | SBA portion approved | Median |
|---|---|---|---|---|
| 1 | Rural Missouri Jefferson City, MO | 222 | $219.8M | $688,000 |
| 2 | St. Charles County Economic Development Council St. Charles, MO | 79 | $70.0M | $571,000 |
| 3 | Heartland Business Capital Overland Park, KS | 33 | $24.0M | $524,000 |
| 4 | STL Partnership CDC St. Louis, MO | 30 | $25.6M | $769,500 |
| 5 | Small Business Growth Springfield, IL | 21 | $17.6M | $639,000 |
| 6 | Enterprise Development Columbia, MO | 18 | $11.7M | $330,000 |
| 7 | St. Louis Local Development St. Louis, MO | 11 | $7.3M | $428,000 |
| 8 | Mo-Kan Development St. Joseph, MO | 9 | $3.9M | $217,000 |
| 9 | Clay/Platte Development Gladstone, MO | 9 | $5.7M | $493,000 |
| 10 | Frontier Financial Partners Emporia, KS | 5 | $7.2M | $1,036,000 |
| Industry | Loans | Share | Median loan | Most active lender |
|---|---|---|---|---|
| Construction | 685 | $150,000 | U.S. Bank | |
| Restaurants and hotels | 666 | $356,200 | Rural Missouri | |
| Other services (repair, personal care) | 572 | $190,100 | U.S. Bank | |
| Retail | 543 | $250,000 | OakStar Bank | |
| Health care and social assistance | 463 | $231,400 | OakStar Bank | |
| Professional and technical services | 401 | $200,000 | U.S. Bank | |
| Manufacturing | 373 | $350,000 | OakStar Bank | |
| Arts, entertainment and recreation | 262 | $258,000 | Huntington National Bank | |
| Administrative and support services | 258 | $170,500 | U.S. Bank | |
| Transportation and warehousing | 232 | $150,000 | OakStar Bank | |
| Wholesale trade | 202 | $350,000 | U.S. Bank | |
| Real estate and rental | 127 | $295,000 | OakStar Bank |
| City | Loans | Approved | Median loan | Most active lender |
|---|---|---|---|---|
| St. Louis | 715 | $420.2M | $262,000 | U.S. Bank |
| Kansas City | 536 | $316.0M | $259,500 | U.S. Bank |
| Springfield | 403 | $264.2M | $294,800 | OakStar Bank |
| Columbia | 193 | $64.1M | $150,000 | Central Trust Bank |
| Lee's Summit | 130 | $74.5M | $288,850 | U.S. Bank |
| St. Charles | 118 | $72.3M | $293,000 | U.S. Bank |
| Joplin | 102 | $47.9M | $150,000 | OakStar Bank |
| O'Fallon | 90 | $38.5M | $237,700 | U.S. Bank |
| Chesterfield | 84 | $54.1M | $350,000 | Huntington National Bank |
| Branson | 84 | $72.0M | $410,550 | Branson Bank |
| Independence | 72 | $40.6M | $251,850 | U.S. Bank |
| Ballwin | 66 | $42.7M | $250,000 | U.S. Bank |
| St. Peters | 63 | $40.0M | $300,000 | Commerce Bank |
| Blue Springs | 58 | $27.8M | $240,350 | U.S. Bank |
| Nixa | 55 | $25.1M | $173,700 | OakStar Bank |
35 Missouri cities and suburbs with at least 25 SBA loans since October 2021. Search any zip code at the top of the page.