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County21st of 106 in Missouri by approvalsFIPS 29031
SBA loans in Cape Girardeau 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 Cape Girardeau County, Missouri, received 46 SBA loan approvals worth $17.7M in FY2021 to FY2025 (39 7(a), 7 504).
That is 19.7 approvals per 1,000 business establishments (2,334 establishments in 2023), below the Missouri figure of 37.6 and below the national 41.0.
It ranks 21st of 106 Missouri counties with approvals. In FY2025 there were 12.
17 lenders had approvals here; the most active were The Bank of Missouri (13), Rural Missouri, Inc. (6) and Commerce Bank (4). The most common industry was restaurants and other eating places.
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 Cape Girardeau County
By number of approvals to businesses in the county, FY2021–FY2025; 17 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Bank of MissouriPerryville, MO | 13 | $4.8M | 28.3% | |
| 2 | Rural Missouri, Inc.Jefferson City, MO · CDC | 6 | $2.7M | 13.0% | |
| 3 | Commerce BankKansas City, MO | 4 | $802K | 8.7% | |
| 4 | The Central Trust BankJefferson City, MO | 4 | $96K | 8.7% | |
| 5 | The Huntington National BankColumbus, OH | 3 | $4.2M | 6.5% | |
| 6 | Banterra BankMarion, IL | 2 | — | 4.3% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 2 | — | 4.3% | |
| 8 | Alliance BankCape Girardeau, MO | 2 | — | 4.3% | |
| 9 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 4.3% | |
| 10 | First Bank of the LakeOsage Beach, MO | 1 | — | 2.2% | |
| 11 | First State Community BankFarmington, MO | 1 | — | 2.2% | |
| 12 | Bank Five NineOconomowoc, WI | 1 | — | 2.2% | |
| 13 | St. Charles County Economic Development CouncilSt. Charles, MO · CDC | 1 | — | 2.2% | |
| 14 | Lendistry SBLC, LLCLos Angeles, CA | 1 | — | 2.2% | |
| 15 | Justine Petersen Housing & Reinvestment CorporationSt. Louis, MO | 1 | — | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 15.2% | |
| 2 | Other Schools and InstructionNAICS 6116 | 5 | 10.9% | |
| 3 | Animal Slaughtering and ProcessingNAICS 3116 | 3 | 6.5% | |
| 4 | Offices of PhysiciansNAICS 6211 | 3 | 6.5% | |
| 5 | Home Health Care ServicesNAICS 6216 | 2 | 4.3% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 2 | 4.3% | |
| 7 | Lessors of Real EstateNAICS 5311 | 2 | 4.3% | |
| 8 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 2 | 4.3% | |
| 9 | Other Miscellaneous RetailersNAICS 4599 | 1 | 2.2% | |
| 10 | Automobile DealersNAICS 4411 | 1 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 10 | 21.7% | |
| 2 | Accommodation and Food Services | 8 | 17.4% | |
| 3 | Retail Trade | 6 | 13.0% | |
| 4 | Educational Services | 5 | 10.9% | |
| 5 | Manufacturing | 3 | 6.5% | |
| 6 | Construction | 3 | 6.5% | |
| 7 | Other Services (except Public Administration) | 3 | 6.5% | |
| 8 | Real Estate and Rental and Leasing | 2 | 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* | 8 | $1.7M | $172K | 0 | — | 8 | 45 |
| FY2025 | 12 | $7.7M | $312K | 0 | — | 12 | 130 |
| FY2024 | 7 | $2.3M | $221K | 1 | — | 8 | 62 |
| FY2023 | 7 | $582K | $50K | 1 | — | 8 | 130 |
| FY2022 | 10 | $3.3M | $258K | 2 | — | 12 | 269 |
| FY2021 | 3 | $749K | $350K | 3 | $1.3M | 6 | 41 |
| FY2020 | 2 | — | — | 0 | — | 2 | 6 |
| FY2019 | 8 | $1.5M | $102K | 1 | — | 9 | 89 |
| FY2018 | 6 | $1.1M | $198K | 1 | — | 7 | 38 |
| FY2017 | 19 | $2.7M | $130K | 0 | — | 19 | 191 |
| FY2016 | 18 | $3.7M | $140K | 0 | — | 18 | 176 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 55 approvals.
Against Missouri and the country
| FY2021–FY2025 | Cape Girardeau County | Missouri | United States |
|---|---|---|---|
| Approvals | 46 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 19.7 | 37.6 | 41.0 |
| Median 7(a) approval | $239K | $225K | $190K |
| Median 504 approval | $322K | $553K | $657K |
| Average approval | $384K | $569K | $573K |
| 504 share of approvals | 15.2% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 13.7 | 11.0 | 10.5 |
| Share of state approvals | 0.8% | 100.0% | — |
Approval sizes
- $50,000 or less17.4%8
- $50,001 to $150,00015.2%7
- $150,001 to $350,00037.0%17
- $350,001 to $1 million23.9%11
- $1 million to $2 million2.2%1
- Over $2 million4.3%2
Age of the businesses
- Existing, more than 2 years old43.5%20
- New business, 2 years or less19.6%9
- Startup, loan funds will open the business30.4%14
- Change of ownership6.5%3
Questions and answers
Which lenders make the most SBA loans in Cape Girardeau County?
By approvals in FY2021 to FY2025: The Bank of Missouri (13), Rural Missouri, Inc. (6), Commerce Bank (4), The Central Trust Bank (4), The Huntington National Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Cape Girardeau County?
The median 7(a) approval was $239K and the median 504 approval $322K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Cape Girardeau County?
Restaurants and Other Eating Places (7); Other Schools and Instruction (5); Animal Slaughtering and Processing (3); Offices of Physicians (3); Home Health Care Services (2).
Is SBA lending in Cape Girardeau County rising?
Approvals in the three latest complete fiscal years total 28, against 20 in the three before: rising (+40%).
How does Cape Girardeau County compare with the rest of Missouri?
19.7 approvals per 1,000 establishments against 37.6 statewide, and 46 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