Searching for trusted Missouri SBA lenders to power your business growth? Our comprehensive directory connects Missouri entrepreneurs with approved SBA loan providers throughout Kansas City, St. Louis, Springfield, Columbia and across the state. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for Missouri businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your Missouri small business thrive in the Show-Me State’s diverse economic landscape.
| Lender Name | City, State | Phone | Website |
|---|---|---|---|
| 1st Advantage Bank | St. Peters, MO | 636-970-0440 | 1stadvantagebank.com |
| Alliance Bank | Cape Girardeau, MO | 573-334-1010 | alliancebanking.com |
| Alliance Credit Union | Fenton, MO | 636-343-7005 | alliancecu.com |
| Alliant Bank | Monroe City, MO | 573-735-5401 | alliantbank.com |
| American Bank of Missouri | Wright City, MO | 636-745-2888 | americanbankofmissouri.com |
| Arsenal Credit Union | Arnold, MO | 314-551-9255 | arsenalcu.com |
| BancorpSouth Bank | Clayton, MO | 314-290-3100 | bancorpsouth.com |
| Bank of America | St. Louis, MO | 800-263-2055 | bankofamerica.com |
| Bank of Cairo and Moberly | Moberly, MO | 660-263-2280 | regionalmo.bank |
| Bank of Crocker | Crocker, MO | 573-736-2223 | bankofcrocker.com |
| Bank of Franklin County | Washington, MO | 636-239-6600 | bankoffranklincounty.com |
| Bank of Louisiana | Louisiana, MO | 573-754-5517 | bola.cc |
| The Bank of Missouri | Columbia, MO | 573-874-4700 | bankofmissouri.com |
| Bank of Monticello | Monticello, MO | 573-767-5264 | bankofmonticello.com |
| The Bank of Old Monroe | Old Monroe, MO | 636-665-5601 | bankofoldmonroe.com |
| Bank of Washington | Washington, MO | 636-239-7831 | bankofwashington.com |
| Bank Star | Pacific, MO | 636-257-BANK (2265) | bank-star.com |
| Belgrade State Bank | Belgrade, MO | 573-766-5315 | belgradestatebank.com |
| BizCapital | St. Louis, MO | 314-725-0800 | fblake.bank |
| BMO Harris Bank, NA | St. Louis, MO | 314-543-3448 | www4.harrisbank.com |
| Busey Bank | St. Louis, MO | 314-878-3523 | busey.com |
| The Callaway Bank | Columbia, MO | 573-447-5601 | callawaybank.com |
| Canton State Bank | Canton, MO | 573-288-4424 | usb1.com |
| Carrollton Bank | St. Louis, MO | 314-965-4848 | carrolltonbanking.com |
| Cass Commercial Bank | Bridgeton, MO | 314-506-5500 | cassbank.com |
| Celtic Bank | Panama City, FL | 866-644-0042 | celticbank.com |
| Central Bank | Jefferson City, MO | 573-634-1142 | centralbank.net |
| CIBC Bank | St. Louis, MO | 314-301-2200 | us.cibc.com |
| Citizens Bank | New Haven, MO | 573-237-3051 | citizensbankmo.com |
| Citizens Bank & Trust | Moberly, MO | 660-263-6231 | gocitizens.bank |
| CNB St Louis Bank | Maplewood, MO | 314-645-4373 | cnbstl.com |
| Commerce Bank | Clayton, MO | 314-726-2255 | commercebank.com |
| Commercial Trust | Harrisburg, MO | 573-256-6111 | commercialtrust.com |
| Community State Bank | Shelbina, MO | 573-588-4101 | commbankonline.com |
| County Bank | Moberly, MO | 660-263-7100 | countybankonline.com |
| Electro Savings Credit Union | Maryland Heights, MO | 314-434-6470 | electrosavings.com |
| Enterprise Bank & Trust Company | Clayton, MO | 314-725-5500 | enterprisebank.com |
| F&M Bank and Trust Company | Hannibal, MO | 573-221-6424 | bankfm.com |
| Farmers Bank of Northern Missouri | Unionville, MO | 660-947-2474 | onlinefarmersbank.com |
| Farmers & Merchants Bank of St. Clair | St. Clair, MO | 636-629-2225 | fmb4banking.com |
| First Bank | Hazelwood, MO | 314-592-2511 | firstbanks.com |
| First Bank of the Lake | Osage Beach, MO | 573-348-2265 | fblake.bank |
| First Community Credit Union | Chesterfield, MO | 636-537-4400 | firstcommunity.com |
| First Community National Bank | Rolla, MO | 573-426-3262 | fcnb.com |
| First Mid Bank & Trust | St. Louis, MO | 877-888-5629 | firstmid.com |
| First Midwest Bank | Poplar Bluff, MO | 573-785-8461 | onemidwest.com |
| First Midwest Bank of Dexter | Dexter, MO | 573-624-3571 | onemidwest.com |
| First Midwest Bank of Poplar Bluff | Poplar Bluff, MO | 573-223-7082 | onemidwest.com |
| First Missouri State Bank | Poplar Bluff, MO | 573-785-6800 | firstmissouristatebank.com |
| First Missouri State Bank of Cape | Cape Girardeau, MO | 573-334-9000 | wherefirstmeansmore.com |
| First State Bank and Trust Company | Caruthersville, MO | 573-333-1700 | fsbtrust.com |
| First State Bank of St. Charles | St. Charles, MO | 636-940-5555 | fsbfinancial.com |
| First State Community Bank | Farmington, MO | 573-756-4547 | fscb.com |
| Fortune Bank | Arnold, MO | 636-467-7500 | myfortuneteam.com |
| Gateway Metro Federal Credit Union | St. Louis, MO | 314-621-4575 | gogmfcu.org |
| Great Southern Bank | St. Louis, MO | 314-889-8924 | greatsouthernbank.com |
| Hawthorn Bank | Jefferson City, MO | 573-761-6100 | hawthornbank.com |
| Heritage Community Bank | Chamois, MO | 573-763-5958 | hcbanks.com |
| HNB Bank | Hannibal, MO | 573-221-0050 | hnbbanks.com |
| HOMEBANK | Palmyra, MO | 573-769-2001 | myhomebank.bank |
| INB Bank | Chesterfield, MO | 636-730-2513 | inb.com |
| Jefferson Bank of Missouri | Jefferson City, MO | 573-634-0847 | jefferson-bank.com |
| Jonesburg State Bank | Jonesburg, MO | 636-488-5441 | jonesburgstatebank.com |
| Kennett National Bank | Kennett, MO | 573-888-9051 | kennettnationalbank.com |
| Lindell Bank | Clayton, MO | 314-645-7700 | lindellbank.com |
| Live Oak Banking Company | Atlanta, GA | 866-954-8362 | liveoakbank.com |
| Macon-Atlanta State Bank | Macon, MO | 660-385-3161 | mabank.com |
| The Maries County Bank | Vienna, MO | 573-422-3323 | mariescountybank.com |
| Meramec Valley Bank | Valley Park, MO | 636-230-3500 | meramecvalleybank.com |
| Merchants & Farmers Bank of Salisbury | Columbia, MO | 573-499-0955 | merchantsandfarmers.net |
| Midland States Bank | Chesterfield, MO | 636-519-8844 | midlandsb.com |
| Midwest BankCentre | St. Louis, MO | 314-631-5511 | midwestbankcentre.com |
| Midwest Regional Bank | Festus, MO | 636-937-5372 | mwrbank.com |
| The Missouri Bank | Warrenton, MO | 636-456-3441 | themissouribank.com |
| MRV Banks | Ste. Genevieve, MO | 573-883-8222 | mrvbanks.com |
| New Frontier Bank | St. Charles, MO | 636-940-8740 | newfb.com |
| Paramount Bank | Hazelwood, MO | 314-731-0229 | paramountbank.com |
| Parkside Financial Bank & Trust | Clayton, MO | 314-290-8600 | pfbt.com |
| Peoples Bank | Cuba, MO | 573-885-2511 | peoplesbk.com |
| Peoples Bank & Trust | Troy, MO | 636-528-7001 | pbtc.net |
| Peoples National Bank, NA | Clayton, MO | 314-726-7300 | peoplesnationalbank.com |
| Phelps County Bank | Rolla, MO | 573-364-5202 | mypcb.com |
| PNC Bank | St. Louis, MO | 314-898-1400 | pnc.com |
| Progressive Ozark Bank | Salem, MO | 573-729-4146 | progressiveozarkbank.com |
| Providence Bank | Jefferson City, MO | 573-893-6000 | myprovidencebank.com |
| Regions Bank | St. Louis, MO | 314-615-2300 | regions.com |
| Royal Banks of Missouri | St. Louis, MO | 314-212-1614 | royalbanksofmo.com |
| Scott Credit Union | St. Louis, MO | 800-888-4728 | scu.org |
| Simmons Bank | St. Louis, MO | 314-383-5555 | simmonsbank.com |
| St. Johns Bank & Trust Company | St. John, MO | 314-428-1000 | stjohnsbank.com |
| St. Louis Bank | Town and Country, MO | 314-851-6208 | stlouisbank.com |
| Southern Bank | Poplar Bluff, MO | 573-778-1800 | bankwithsouthern.com |
| The Spirit Bank | Chesterfield, MO | 314-496-7273 | thebankofhouston.com |
| State Bank | St. Louis, MO | 618-939-7194 | sbw.bank |
| Sterling Bank | Poplar Bluff, MO | 573-778-3333 | sterbank.com |
| Sullivan Bank | Sullivan, MO | 573-468-3191 | sullivanbank.com |
| TPNB Bank | Paris, MO | 660-327-4181 | tpnbbank.com |
| Town & Country Bank | Salem, MO | 573-729-3155 | tcbanks.com |
| Triad Bank | St. Louis, MO | 314-993-4333 | triadbanking.com |
| UMB Bank | St. Louis, MO | 314-822-5076 | umb.com |
| Unico Bank | Mineral Point, MO | 573-438-5421 | unicobank.com |
| United Bank of Union | Union, MO | 636-583-2555 | ubu.bank |
| United Security Bank | Fulton, MO | 573-592-0100 | unitedsecuritybankofmo.com |
| United State Bank | Edina, MO | 660-397-2408 | usb1.com |
| US Bank, N. A., SBA Division | Chesterfield, MO | 636-391-4207 | usbank.com |
| Wells Fargo, N.A. | St. Louis, MO | 636-240-5070 | wellsfargo.com |
| West Community Credit Union | O’Fallon, MO | 636-720-2420 | westcommunitycu.org |
| 504 Lenders | |||
| Economic Development Corporation of Jefferson County | Hillsboro, MO | 636-797-5386 | jeffcountymo.org |
| Enterprise Development Corporation | Columbia, MO | 573-875-8117 | entdevcorp.org |
| Meramec Regional Development Corporation | St. James, MO | 573-265-2993 | meramecregion.org |
| Rural Missouri, Inc. (RMI) | Jefferson City, MO | 573-635-0136 | rmiinc.org |
| Small Business Growth Corporation | Springfield, IL | 217-787-7557 | growthcorp.com |
| St. Charles County Economic Development Center | St. Charles, MO | 636-441-6880 | edcscc.com |
| St. Louis Local Development Company | Clayton, MO | 314-615-8146 | stlouis-mo.gov |
| STL Partnership CDC | Clayton, MO | 314-615-8146 | stlpartnership.com |
| Microloan Lenders | |||
| Justine PETERSEN | St. Louis, MO | 314-533-2411 | justinepetersen.org |
Frequently Asked Questions
Q: What are SBA loans and how do they work in Missouri?
A: SBA loans are government-backed loans provided through approved lenders in Missouri. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to Missouri small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables Missouri entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to Missouri businesses?
A: Missouri businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in Missouri?
A: To qualify for an SBA loan in Missouri, businesses typically need:
- For-profit operation based in Missouri
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q: How do Missouri SBA lenders support businesses in the advanced manufacturing and aerospace sectors?
A: Missouri’s strong manufacturing tradition has created specialized SBA lending expertise in these sectors. Several Missouri lenders have developed industry-specific loan packages designed for aerospace suppliers, automotive components manufacturers, precision machining operations, and other advanced manufacturing businesses. These lenders understand the unique capital needs, equipment requirements, and growth trajectories of manufacturing businesses and can structure loans accordingly. Some Missouri SBA lenders coordinate with organizations like the Missouri Association of Manufacturers and the Missouri Aerospace & Defense Network to provide comprehensive support. These specialized lending programs have helped strengthen Missouri’s manufacturing competitiveness by financing businesses that support major employers like Boeing, Ford, GM, and the state’s extensive defense manufacturing base, with particular attention to helping manufacturers adopt new technologies and production methods that improve efficiency and create higher-skill employment opportunities throughout the state’s diverse manufacturing regions.
Q: Are there special SBA loan programs for Missouri’s agricultural and food production businesses?
A: Yes, Missouri’s agricultural strength has influenced local SBA lending practices. While the SBA doesn’t directly fund primary agricultural production, Missouri SBA lenders support value-added agricultural businesses, food processors, wineries, craft breweries, and agribusiness service providers. These lenders understand the unique aspects of Missouri’s agricultural economy and can structure loans to accommodate seasonal patterns. Several Missouri lenders coordinate with the Missouri Department of Agriculture and the University of Missouri Extension to help businesses access both financing and technical assistance. Some lenders have developed expertise in financing specialty food producers, meat processors, animal nutrition companies, and farm equipment suppliers that support the state’s diverse agricultural sectors from livestock to row crops to specialty products, helping businesses weather market fluctuations and capitalize on growing consumer interest in locally-produced foods and beverages.
Q: How do Missouri SBA lenders help businesses in the healthcare and life sciences sectors?
A: Missouri’s growing healthcare and life sciences industries have created specialized lending expertise for these businesses. Several Missouri SBA lenders offer industry-specific loan packages designed for medical practices, senior care facilities, diagnostic laboratories, health technology companies, and biomedical research firms. These lenders understand healthcare reimbursement models and the unique capital needs of life sciences businesses. Some Missouri lenders coordinate with organizations like Missouri Cures, BioSTL, and the Missouri Hospital Association to provide comprehensive support. These specialized lending programs have helped strengthen Missouri’s healthcare ecosystem by financing innovative delivery models and life sciences ventures that leverage the research strengths of institutions like Washington University, the University of Missouri, and the Stowers Institute, with particular attention to businesses addressing rural healthcare access challenges and commercializing biomedical innovations that create high-value jobs while improving health outcomes.
Q: Can technology and software development businesses in Missouri access specialized SBA financing?
A: Yes, Missouri’s growing technology hubs benefit from specialized SBA lending expertise. Several Missouri lenders offer tailored loan packages for software developers, fintech companies, agtech innovators, and other tech-enabled businesses in Kansas City’s Silicon Prairie, St. Louis’ Cortex Innovation District, and emerging tech centers in Springfield and Columbia. These lenders understand the unique growth patterns of technology businesses and can structure loans accordingly. Some Missouri SBA lenders coordinate with organizations like LaunchKC, T-REX, and the Missouri Technology Corporation to provide comprehensive support. While early-stage startups typically rely on venture capital, SBA loans become viable options as tech companies reach revenue generation and scaling phases. These specialized programs have supported Missouri’s evolution as a technology hub by financing businesses that leverage the state’s strengths in financial services, agriculture, healthcare, and logistics to create innovative digital solutions and data-driven business models.
Q: How do Missouri SBA lenders support businesses in rural communities and small towns?
A: Missouri’s geographic diversity has led to specialized lending approaches for businesses outside major metropolitan areas. Several Missouri SBA lenders participate in the USDA Rural Development Business & Industry Guarantee program alongside SBA programs to provide enhanced options for rural entrepreneurs. These lenders often coordinate with organizations like the Missouri Rural Development Partners and regional planning commissions to provide comprehensive support. Some Missouri lenders have developed expertise in financing rural manufacturing, main street retail revitalization, and tourism businesses that are helping diversify rural economies beyond traditional agriculture. These specialized programs align with Missouri’s efforts to strengthen rural communities through entrepreneurship, with particular attention to businesses that can overcome geographic isolation by leveraging Missouri’s expanding broadband infrastructure and create opportunities that help retain talent in small towns across the Ozarks, Bootheel, and northern Missouri regions.
Q: Are there specialized SBA loan programs for Missouri’s transportation and logistics businesses?
A: Yes, Missouri’s strategic location at the nation’s crossroads has created specialized lending expertise for transportation and logistics businesses. Several Missouri lenders offer tailored loan packages for trucking companies, warehousing operations, third-party logistics providers, and transportation service firms. These lenders understand the capital-intensive nature of transportation businesses and can structure loans for equipment, facilities, and technology adoption. Some Missouri SBA lenders coordinate with organizations like the Missouri Trucking Association and regional transportation development districts to provide comprehensive support. These specialized lending programs have helped strengthen Missouri’s position as a logistics hub by financing businesses that leverage the state’s extensive highway network, major river ports, rail connections, and central location to facilitate efficient movement of goods throughout North America, with particular attention to helping smaller transportation businesses adopt technologies that improve safety, efficiency, and environmental performance.
Q: How do Missouri SBA lenders support minority-owned businesses and entrepreneurs in underserved communities?
A: Missouri’s diverse population has influenced local SBA lending practices. Several Missouri SBA lenders have developed specialized programs focused on expanding capital access for minority entrepreneurs, particularly in St. Louis, Kansas City, and historically underserved communities. These lenders often coordinate with organizations like the Minority Business Development Agency centers, the Urban League, and historically Black colleges and universities to provide comprehensive support. Some Missouri lenders participate in the SBA Community Advantage program, focusing specifically on underserved markets. These specialized lending programs align with Missouri’s efforts to create more inclusive economic opportunities by providing culturally responsive services, technical assistance, and flexible underwriting that recognizes the unique challenges faced by minority entrepreneurs while leveraging their strong connection to local communities and consumer markets across the state’s diverse regions.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.