SBA lending by metro area
SBA lenders in Jefferson City, MO
Which lenders fund Jefferson City-area businesses, how much, and how the market compares with Missouri: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Jefferson City area
Ranked by SBA volume funded to businesses located in the Jefferson City metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Hawthorn Bank | 102 | $39.0M | $382K | 0.98% |
| 2 | Commerce Bank | 20 | $36.3M | $1.8M | 0.00% |
| 3 | The Central Trust Bank | 115 | $19.7M | $171K | 8.70% |
| 4 | Rural Missouri, Inc. | 25 | $13.5M | $539K | not reported |
| 5 | Enterprise Development Corporation | 13 | $8.6M | $665K | not reported |
| 6 | Heritage Bank of the Ozarks | 6 | $4.6M | $772K | not reported |
| 7 | The Bank of Missouri | 22 | $4.6M | $210K | 13.64% |
| 8 | The Callaway Bank | 70 | $4.6M | $66K | 0.00% |
| 9 | U.S. Bank, National Association | 6 | $1.3M | $221K | not reported |
| 10 | First Mid Bank & Trust, National Association | 7 | $907K | $130K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
Ready to talk to Jefferson City-area SBA lenders?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
How Jefferson City compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Jefferson City area | $127K ▼ 34.9% | 9.6% ▼ 1.3 pts |
| Missouri | $195K | 10.9% |
| United States | $179K | 11.2% |
What gets funded in Jefferson City
| Industry | Loans | Total funded |
|---|---|---|
| Transportation and Warehousing | 34 | $39.4M |
| Construction | 56 | $27.4M |
| Accommodation and Food Services | 68 | $22.9M |
| Manufacturing | 32 | $21.1M |
| Retail Trade | 58 | $17.6M |
| Health Care and Social Assistance | 52 | $16.6M |
| Other Services | 44 | $12.9M |
| Professional and Technical Services | 26 | $5.7M |
SBA lending in Jefferson City by year
Geography, precisely
"Jefferson City area" here means the Jefferson City, MO metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Callaway County, MO; Cole County, MO; Moniteau County, MO; Osage County, MO. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.