SBA 7(a) loans in Missouri
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
2,705loans approved
$225,000median loan
$85K–$614Kmiddle half of loans
$1.6Btotal approved
10%median initial rate
10 yrsmedian term
The median Missouri loan is 29% larger than the national median of $175,000.
Loan sizes
Top industries
| Industry (NAICS) | Loans | Median |
|---|---|---|
| Full-Service Restaurants (722511) | 116 | $273,550 |
| Fitness and Recreational Sports Centers (713940) | 78 | $214,750 |
| Limited-Service Restaurants (722513) | 75 | $450,000 |
| General Automotive Repair (811111) | 57 | $277,400 |
| Landscaping Services (561730) | 55 | $100,000 |
| Residential Remodelers (236118) | 53 | $90,000 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 49 | $324,000 |
| Snack and Nonalcoholic Beverage Bars (722515) | 49 | $371,800 |
| Child Day Care Services (624410) | 41 | $343,600 |
| Hotels (except Casino Hotels) and Motels (721110) | 40 | $1,908,000 |
Most active lenders in Missouri
| Lender | Loans | Median | Total |
|---|---|---|---|
| U.S. Bank, National Association | 338 | $40,000 | $60.6M |
| Oakstar Bank | 263 | $350,000 | $195.4M |
| The Huntington National Bank | 112 | $276,750 | $59.8M |
| Live Oak Banking Company | 96 | $630,000 | $151.8M |
| Readycap Lending, LLC | 86 | $50,000 | $14.8M |
| The Central Trust Bank | 79 | $120,000 | $14.0M |
| Newtek Bank, National Association | 75 | $150,000 | $26.8M |
| Commerce Bank | 74 | $132,400 | $26.6M |
| Omb Bank | 72 | $250,500 | $41.8M |
| Northeast Bank | 67 | $112,000 | $8.6M |
SBA 504 loans in Missouri
504 loans finance real estate and major equipment through a Certified Development Company (CDC). Approved FY2024–FY2026, file as of September 30, 2026 [source].
213504 loans approved
$675,000median CDC portion
$202.8Mtotal CDC portion
What these 504 amounts cover: only the SBA-backed CDC portion of each project (typically up to 40%). A bank first loan and the borrower's down payment make up the rest, so total project costs are larger.
Most active CDCs in Missouri
| Lender | Loans | Median | Total |
|---|---|---|---|
| Rural Missouri, INC. | 100 | $740,500 | $108.0M |
| St. Charles County Economic Development Council | 46 | $633,000 | $42.0M |
| Heartland Business Capital, INC. | 19 | $596,000 | $14.8M |
| Enterprise Development Corporation | 13 | $348,000 | $7.0M |
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What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.