SBA lending by state
SBA Lending in Missouri
In Missouri, SBA lenders funded 18,275 7(a) and 504 loans since FY2010, totaling $8.4B, an average of $460K per loan. The most active lender is U.S. Bank, National Association, and the most-funded industry is Accommodation and Food Services.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Top SBA lenders in Missouri
Ranked by SBA loans funded in Missouri since FY2010. Each lender's figures, including its 7(a) charge-off rate, cover its Missouri loans only. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in Missouri shows “not reported,” never 0%.
See the full Missouri ranking : up to 25 lenders, with the 7(a) vs 504 leaders and industry context.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 1,893 | $261.5M | $138K | 4.33% |
| 2 | Simmons Bank | 1,118 | $395.4M | $354K | 8.50% |
| 3 | OakStar Bank | 827 | $520.0M | $629K | 3.99% |
| 4 | The Bank of Missouri | 807 | $219.9M | $272K | 7.19% |
| 5 | Rural Missouri, Inc. | 738 | $544.4M | $738K | not reported |
| 6 | The Central Trust Bank | 681 | $139.2M | $204K | 5.43% |
| 7 | Commerce Bank | 670 | $196.6M | $293K | 0.15% |
| 8 | St. Charles County Economic Development Council | 491 | $316.7M | $645K | not reported |
| 9 | UMB Bank, National Association | 420 | $124.6M | $297K | 0.95% |
| 10 | Arvest Bank | 401 | $100.3M | $250K | 5.24% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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504 lenders (CDCs) in Missouri
An SBA 504 project in Missouri pairs two lenders: a bank or credit union funds roughly half the cost as a first mortgage, and a Certified Development Company (CDC) funds about 40% through an SBA-backed debenture, with the borrower putting down around 10%. Below are the CDCs most active on 504 loans in Missouri, ranked by 504 loans funded in the state since FY2010. Figures are 504-only; charge-off is reported on 7(a) loans only and does not apply to CDCs.
| CDC | 504 loans | 504 volume |
|---|---|---|
| Rural Missouri, Inc. | 738 | $544.4M |
| St. Charles County Economic Development Council | 491 | $316.7M |
| STL Partnership CDC | 158 | $114.9M |
| Heartland Business Capital, Inc. | 155 | $81.4M |
| Enterprise Development Corporation | 101 | $68.1M |
| Small Business Growth Corporation | 86 | $62.4M |
| Clay/Platte Development Corporation | 60 | $33.5M |
| Mo-Kan Development, Inc. | 42 | $20.0M |
| St. Louis Local Development Company | 38 | $16.7M |
| EDC Loan Corporation | 33 | $26.4M |
Showing the 10 CDCs most active on 504 loans in Missouri; the full directory lists every CDC.
All Certified Development Companies · Current 504 loan rates · How 504 loans work
Top industries funded in Missouri
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 2,552 | $1.5B |
| Manufacturing | 1,479 | $995.8M |
| Retail Trade | 2,325 | $991.7M |
| Health Care and Social Assistance | 1,542 | $673.7M |
| Construction | 2,078 | $658.2M |
| Other Services | 1,879 | $657.2M |
| Professional and Technical Services | 1,581 | $608.3M |
| Wholesale Trade | 840 | $510.4M |
Top cities for SBA loans in Missouri
Where SBA 7(a) and 504 borrowers in Missouri are located, by funded volume.
| City | Loans | Total volume |
|---|---|---|
| Saint Louis | 1,754 | $814.5M |
| Kansas City | 1,629 | $808.3M |
| Springfield | 1,685 | $796.4M |
| St. Louis | 420 | $238.7M |
| Columbia | 775 | $235.4M |
| Branson | 317 | $197.8M |
| Fenton | 198 | $152.8M |
| Lees Summit | 317 | $150.6M |
SBA lending by metro area in Missouri
Which lenders fund each Missouri market, with local loan sizes and industries.
- SBA lenders in St. Louis, MO 7,413 loans
- SBA lenders in Kansas City, MO 6,914 loans
- SBA lenders in Springfield, MO 2,901 loans
- SBA lenders in Joplin, MO 855 loans
- SBA lenders in Columbia, MO 910 loans
- SBA lenders in Branson, MO 407 loans
- SBA lenders in Jefferson City, MO 437 loans
- SBA lenders in St. Joseph, MO 199 loans
- SBA lenders in Farmington, MO 165 loans
- SBA lenders in Sedalia, MO 76 loans
- SBA lenders in Cape Girardeau, MO 172 loans
- SBA lenders in Rolla, MO 92 loans
- SBA lenders in Lebanon, MO 154 loans
- SBA lenders in Quincy, IL 93 loans
- SBA lenders in Warrensburg, MO 155 loans
- SBA lenders in Sikeston, MO 81 loans
- SBA lenders in Fort Leonard Wood, MO 78 loans
- SBA lenders in Poplar Bluff, MO 47 loans
- SBA lenders in Hannibal, MO 57 loans
- SBA lenders in Moberly, MO 60 loans
- SBA lenders in West Plains, MO 43 loans
- SBA lenders in Mexico, MO 45 loans
SBA lending in Missouri by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 1,216 | $335.1M |
| 2011 | 1,214 | $480.9M |
| 2012 | 1,144 | $432.1M |
| 2013 | 1,079 | $425.5M |
| 2014 | 1,091 | $420.3M |
| 2015 | 1,211 | $437.8M |
| 2016 | 1,159 | $492.8M |
| 2017 | 1,174 | $487.6M |
| 2018 | 1,046 | $506.0M |
| 2019 | 932 | $440.8M |
| 2020 | 891 | $427.4M |
| 2021 | 1,222 | $745.6M |
| 2022 | 1,069 | $534.2M |
| 2023 | 991 | $588.7M |
| 2024 | 1,126 | $555.5M |
| 2025 | 1,284 | $813.7M |
| 2026 | 426 | $275.0M |
SBA lending in Missouri: frequently asked questions
How much SBA lending is there in Missouri?
SBA lenders funded 18,275 7(a) and 504 loans totaling $8.4B in Missouri in the public SBA data (as of 2026-03-31), an average of $460K per loan.
Who is the most active SBA lender in Missouri?
U.S. Bank, National Association is the most active SBA lender in Missouri in the public data, by loans funded.
What industries get the most SBA loans in Missouri?
The most-funded industry for SBA loans in Missouri is Accommodation and Food Services.
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