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County31st of 106 in Missouri by approvalsFIPS 29009
SBA loans in Barry County, Missouri
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses in Barry County, Missouri, received 30 SBA loan approvals worth $16.6M in FY2021 to FY2025 (28 7(a), 2 504).
That is 38.7 approvals per 1,000 business establishments (775 establishments in 2023), close to the Missouri figure of 37.6 and close to the national 41.0.
It ranks 31st of 106 Missouri counties with approvals. In FY2025 there were 4.
14 lenders had approvals here; the most active were Arvest Bank (7), OakStar Bank (4) and Equity Bank (3). The most common industry was building equipment contractors.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Barry County
By number of approvals to businesses in the county, FY2021–FY2025; 14 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Arvest BankFayetteville, AR | 7 | $1.1M | 23.3% | |
| 2 | OakStar BankSpringfield, MO | 4 | $5.3M | 13.3% | |
| 3 | Equity BankAndover, KS | 3 | $1.9M | 10.0% | |
| 4 | First State Bank of the OzarksPurdy, MO | 3 | $879K | 10.0% | |
| 5 | Rural Missouri, Inc.Jefferson City, MO · CDC | 2 | — | 6.7% | |
| 6 | Guaranty BankSpringfield, MO | 2 | — | 6.7% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 6.7% | |
| 8 | First Bank of the LakeOsage Beach, MO | 1 | — | 3.3% | |
| 9 | Freedom Bank of Southern MissouriCassville, MO | 1 | — | 3.3% | |
| 10 | First Independent BankAurora, MO | 1 | — | 3.3% | |
| 11 | Commerce BankKansas City, MO | 1 | — | 3.3% | |
| 12 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 3.3% | |
| 13 | Simmons BankPine Bluff, AR | 1 | — | 3.3% | |
| 14 | First Financial BankEl Dorado, AR | 1 | — | 3.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Building Equipment ContractorsNAICS 2382 | 3 | 10.0% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 10.0% | |
| 3 | Nursing Care Facilities (Skilled Nursing Facilities)NAICS 6231 | 2 | 6.7% | |
| 4 | Poultry and Egg ProductionNAICS 1123 | 2 | 6.7% | |
| 5 | Traveler AccommodationNAICS 7211 | 2 | 6.7% | |
| 6 | Offices of DentistsNAICS 6212 | 2 | 6.7% | |
| 7 | Grocery StoresNAICS 4451 | 2 | 6.7% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 6.7% | |
| 9 | Special Food ServicesNAICS 7223 | 2 | 6.7% | |
| 10 | Personal Care ServicesNAICS 8121 | 2 | 6.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 7 | 23.3% | |
| 2 | Health Care and Social Assistance | 5 | 16.7% | |
| 3 | Other Services (except Public Administration) | 4 | 13.3% | |
| 4 | Construction | 3 | 10.0% | |
| 5 | Retail Trade | 3 | 10.0% | |
| 6 | Agriculture, Forestry, Fishing and Hunting | 3 | 10.0% | |
| 7 | Transportation and Warehousing | 2 | 6.7% | |
| 8 | Arts, Entertainment, and Recreation | 2 | 6.7% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 0 | — | — | 0 | — | 0 | 0 |
| FY2025 | 4 | $2.2M | $258K | 0 | — | 4 | 33 |
| FY2024 | 6 | $986K | $81K | 0 | — | 6 | 46 |
| FY2023 | 6 | $4.6M | $481K | 0 | — | 6 | 49 |
| FY2022 | 7 | $2.2M | $82K | 1 | — | 8 | 118 |
| FY2021 | 5 | $5.3M | $822K | 1 | — | 6 | 17 |
| FY2020 | 2 | — | — | 0 | — | 2 | 2 |
| FY2019 | 3 | $620K | $200K | 0 | — | 3 | 19 |
| FY2018 | 2 | — | — | 0 | — | 2 | 3 |
| FY2017 | 8 | $6.2M | $310K | 0 | — | 8 | 36 |
| FY2016 | 14 | $5.6M | $99K | 1 | — | 15 | 50 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 30 approvals.
Against Missouri and the country
| FY2021–FY2025 | Barry County | Missouri | United States |
|---|---|---|---|
| Approvals | 30 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 38.7 | 37.6 | 41.0 |
| Median 7(a) approval | $249K | $225K | $190K |
| Median 504 approval | — | $553K | $657K |
| Average approval | $553K | $569K | $573K |
| 504 share of approvals | 6.7% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 8.8 | 11.0 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less20.0%6
- $50,001 to $150,00013.3%4
- $150,001 to $350,00030.0%9
- $350,001 to $1 million23.3%7
- $1 million to $2 million6.7%2
- Over $2 million6.7%2
Age of the businesses
- Existing, more than 2 years old36.7%11
- New business, 2 years or less23.3%7
- Startup, loan funds will open the business20.0%6
- Change of ownership20.0%6
Questions and answers
Which lenders make the most SBA loans in Barry County?
By approvals in FY2021 to FY2025: Arvest Bank (7), OakStar Bank (4), Equity Bank (3), First State Bank of the Ozarks (3), Rural Missouri, Inc. (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Barry County?
The median 7(a) approval was $249K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Barry County?
Building Equipment Contractors (3); Restaurants and Other Eating Places (3); Nursing Care Facilities (Skilled Nursing Facilities) (2); Poultry and Egg Production (2); Traveler Accommodation (2).
Is SBA lending in Barry County rising?
Approvals in the three latest complete fiscal years total 16, against 16 in the three before: broadly level (0%).
How does Barry County compare with the rest of Missouri?
38.7 approvals per 1,000 establishments against 37.6 statewide, and 30 of the state's 5,688 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error