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County20th of 106 in Missouri by approvalsFIPS 29027
SBA loans in Callaway 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 Callaway County, Missouri, received 50 SBA loan approvals worth $15.8M in FY2021 to FY2025 (40 7(a), 10 504).
That is 63.9 approvals per 1,000 business establishments (782 establishments in 2023), above the Missouri figure of 37.6 and above the national 41.0.
It ranks 20th of 106 Missouri counties with approvals. In FY2025 there were 3.
13 lenders had approvals here; the most active were The Callaway Bank (15), The Central Trust Bank (9) and Enterprise Development Corporation (6). The most common industry was child day care services.
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 Callaway County
By number of approvals to businesses in the county, FY2021–FY2025; 13 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Callaway BankFulton, MO | 15 | $975K | 30.0% | |
| 2 | The Central Trust BankJefferson City, MO | 9 | $1.0M | 18.0% | |
| 3 | Enterprise Development CorporationColumbia, MO · CDC | 6 | $2.8M | 12.0% | |
| 4 | The Bank of MissouriPerryville, MO | 5 | $1.0M | 10.0% | |
| 5 | Hawthorn BankJefferson City, MO | 4 | $1.2M | 8.0% | |
| 6 | Rural Missouri, Inc.Jefferson City, MO · CDC | 4 | $942K | 8.0% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.0% | |
| 8 | The Huntington National BankColumbus, OH | 1 | — | 2.0% | |
| 9 | East West BankPasadena, CA | 1 | — | 2.0% | |
| 10 | Luminate BankMinneapolis, MN | 1 | — | 2.0% | |
| 11 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 2.0% | |
| 12 | Commerce BankKansas City, MO | 1 | — | 2.0% | |
| 13 | U.S. Bank, National AssociationCincinnati, OH | 1 | — | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Child Day Care ServicesNAICS 6244 | 4 | 8.0% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 6.0% | |
| 3 | Petroleum and Coal Products ManufacturingNAICS 3241 | 3 | 6.0% | |
| 4 | Sawmills and Wood PreservationNAICS 3211 | 3 | 6.0% | |
| 5 | Other Personal ServicesNAICS 8129 | 3 | 6.0% | |
| 6 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and MaintenanceNAICS 8113 | 3 | 6.0% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 6.0% | |
| 8 | Traveler AccommodationNAICS 7211 | 2 | 4.0% | |
| 9 | Drycleaning and Laundry ServicesNAICS 8123 | 2 | 4.0% | |
| 10 | Specialized Freight TruckingNAICS 4842 | 2 | 4.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 12 | 24.0% | |
| 2 | Manufacturing | 8 | 16.0% | |
| 3 | Accommodation and Food Services | 7 | 14.0% | |
| 4 | Health Care and Social Assistance | 5 | 10.0% | |
| 5 | Transportation and Warehousing | 5 | 10.0% | |
| 6 | Construction | 3 | 6.0% | |
| 7 | Arts, Entertainment, and Recreation | 3 | 6.0% | |
| 8 | Wholesale Trade | 2 | 4.0% |
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 | 3 | $3.1M | $36K | 0 | — | 3 | 6 |
| FY2024 | 1 | — | — | 4 | $1.1M | 5 | 17 |
| FY2023 | 9 | $2.2M | $180K | 0 | — | 9 | 34 |
| FY2022 | 14 | $4.6M | $69K | 2 | — | 16 | 143 |
| FY2021 | 13 | $2.2M | $136K | 4 | $1.5M | 17 | 55 |
| FY2020 | 8 | $2.4M | $50K | 1 | — | 9 | 79 |
| FY2019 | 5 | $3.9M | $350K | 0 | — | 5 | 35 |
| FY2018 | 5 | $2.4M | $45K | 0 | — | 5 | 75 |
| FY2017 | 13 | $5.0M | $100K | 1 | — | 14 | 189 |
| FY2016 | 14 | $4.6M | $110K | 0 | — | 14 | 234 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 47 approvals.
Against Missouri and the country
| FY2021–FY2025 | Callaway County | Missouri | United States |
|---|---|---|---|
| Approvals | 50 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 63.9 | 37.6 | 41.0 |
| Median 7(a) approval | $78K | $225K | $190K |
| Median 504 approval | $260K | $553K | $657K |
| Average approval | $316K | $569K | $573K |
| 504 share of approvals | 20.0% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 5.1 | 11.0 | 10.5 |
| Share of state approvals | 0.9% | 100.0% | — |
Approval sizes
- $50,000 or less26.0%13
- $50,001 to $150,00026.0%13
- $150,001 to $350,00026.0%13
- $350,001 to $1 million12.0%6
- $1 million to $2 million6.0%3
- Over $2 million4.0%2
Age of the businesses
- Existing, more than 2 years old46.0%23
- New business, 2 years or less28.0%14
- Startup, loan funds will open the business18.0%9
- Change of ownership8.0%4
Questions and answers
Which lenders make the most SBA loans in Callaway County?
By approvals in FY2021 to FY2025: The Callaway Bank (15), The Central Trust Bank (9), Enterprise Development Corporation (6), The Bank of Missouri (5), Hawthorn Bank (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Callaway County?
The median 7(a) approval was $78K and the median 504 approval $260K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Callaway County?
Child Day Care Services (4); Restaurants and Other Eating Places (3); Petroleum and Coal Products Manufacturing (3); Sawmills and Wood Preservation (3); Other Personal Services (3).
Is SBA lending in Callaway County rising?
Approvals in the three latest complete fiscal years total 17, against 42 in the three before: falling (-60%).
How does Callaway County compare with the rest of Missouri?
63.9 approvals per 1,000 establishments against 37.6 statewide, and 50 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