States › Missouri › Camden County
County15th of 106 in Missouri by approvalsFIPS 29029
SBA loans in Camden 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 Camden County, Missouri, received 69 SBA loan approvals worth $55.4M in FY2021 to FY2025 (58 7(a), 11 504).
That is 44.1 approvals per 1,000 business establishments (1,566 establishments in 2023), above the Missouri figure of 37.6 and close to the national 41.0.
It ranks 15th of 106 Missouri counties with approvals. In FY2025 there were 13, up 30% on FY2024.
23 lenders had approvals here; the most active were OakStar Bank (23), Rural Missouri, Inc. (5) and The Central Trust Bank (5). The most common industry was traveler accommodation.
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 Camden County
By number of approvals to businesses in the county, FY2021–FY2025; 23 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | OakStar BankSpringfield, MO | 23 | $14.5M | 33.3% | |
| 2 | Rural Missouri, Inc.Jefferson City, MO · CDC | 5 | $8.0M | 7.2% | |
| 3 | The Central Trust BankJefferson City, MO | 5 | $3.4M | 7.2% | |
| 4 | Enterprise Development CorporationColumbia, MO · CDC | 5 | $2.0M | 7.2% | |
| 5 | Regent BankTulsa, OK | 4 | $1.4M | 5.8% | |
| 6 | Old National BankEvansville, IN | 3 | $2.4M | 4.3% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 3 | $530K | 4.3% | |
| 8 | Newtek Small Business Finance, Inc.Lake Success, NY | 3 | $150K | 4.3% | |
| 9 | Heritage Bank of the OzarksLebanon, MO | 2 | — | 2.9% | |
| 10 | The Bank of MissouriPerryville, MO | 2 | — | 2.9% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 2 | — | 2.9% | |
| 12 | Fifth Third BankCincinnati, OH | 1 | — | 1.4% | |
| 13 | SomerCor 504, Inc.Chicago, IL · CDC | 1 | — | 1.4% | |
| 14 | Everwise Credit UnionSouth Bend, IN | 1 | — | 1.4% | |
| 15 | Millennium BankDes Plaines, IL | 1 | — | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 8 | 11.6% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 7.2% | |
| 3 | Activities Related to Real EstateNAICS 5313 | 4 | 5.8% | |
| 4 | Child Day Care ServicesNAICS 6244 | 4 | 5.8% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 3 | 4.3% | |
| 6 | Lawn and Garden Equipment and Supplies StoresNAICS 4442 | 3 | 4.3% | |
| 7 | Personal and Household Goods Repair and MaintenanceNAICS 8114 | 2 | 2.9% | |
| 8 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 2 | 2.9% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 2.9% | |
| 10 | Lessors of Real EstateNAICS 5311 | 2 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 15 | 21.7% | |
| 2 | Health Care and Social Assistance | 9 | 13.0% | |
| 3 | Construction | 8 | 11.6% | |
| 4 | Retail Trade | 8 | 11.6% | |
| 5 | Real Estate and Rental and Leasing | 6 | 8.7% | |
| 6 | Other Services (except Public Administration) | 6 | 8.7% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 4 | 5.8% | |
| 8 | Wholesale Trade | 3 | 4.3% |
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* | 5 | $12.3M | $1.3M | 2 | — | 7 | 18 |
| FY2025 | 12 | $10.2M | $628K | 1 | — | 13 | 220 |
| FY2024 | 9 | $6.4M | $265K | 1 | — | 10 | 70 |
| FY2023 | 15 | $5.7M | $150K | 1 | — | 16 | 103 |
| FY2022 | 11 | $15.2M | $1.0M | 5 | $5.9M | 16 | 203 |
| FY2021 | 11 | $4.4M | $200K | 3 | $3.1M | 14 | 186 |
| FY2020 | 10 | $2.4M | $145K | 1 | — | 11 | 64 |
| FY2019 | 13 | $9.3M | $132K | 0 | — | 13 | 139 |
| FY2018 | 7 | $2.5M | $340K | 2 | — | 9 | 62 |
| FY2017 | 7 | $1.7M | $101K | 0 | — | 7 | 94 |
| FY2016 | 18 | $4.0M | $109K | 1 | — | 19 | 158 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 59 approvals.
Against Missouri and the country
| FY2021–FY2025 | Camden County | Missouri | United States |
|---|---|---|---|
| Approvals | 69 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 44.1 | 37.6 | 41.0 |
| Median 7(a) approval | $317K | $225K | $190K |
| Median 504 approval | $775K | $553K | $657K |
| Average approval | $802K | $569K | $573K |
| 504 share of approvals | 15.9% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 11.3 | 11.0 | 10.5 |
| Share of state approvals | 1.2% | 100.0% | — |
Approval sizes
- $50,000 or less10.1%7
- $50,001 to $150,00014.5%10
- $150,001 to $350,00026.1%18
- $350,001 to $1 million23.2%16
- $1 million to $2 million13.0%9
- Over $2 million13.0%9
Age of the businesses
- Existing, more than 2 years old42.0%29
- New business, 2 years or less17.4%12
- Startup, loan funds will open the business24.6%17
- Change of ownership15.9%11
Questions and answers
Which lenders make the most SBA loans in Camden County?
By approvals in FY2021 to FY2025: OakStar Bank (23), Rural Missouri, Inc. (5), The Central Trust Bank (5), Enterprise Development Corporation (5), Regent Bank (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Camden County?
The median 7(a) approval was $317K and the median 504 approval $775K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Camden County?
Traveler Accommodation (8); Restaurants and Other Eating Places (5); Activities Related to Real Estate (4); Child Day Care Services (4); Building Equipment Contractors (3).
Is SBA lending in Camden County rising?
Approvals in the three latest complete fiscal years total 39, against 41 in the three before: broadly level (-5%).
How does Camden County compare with the rest of Missouri?
44.1 approvals per 1,000 establishments against 37.6 statewide, and 69 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