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County13th of 106 in Missouri by approvalsFIPS 29037
SBA loans in Cass 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 Cass County, Missouri, received 94 SBA loan approvals worth $39.6M in FY2021 to FY2025 (88 7(a), 6 504).
That is 43.8 approvals per 1,000 business establishments (2,148 establishments in 2023), above the Missouri figure of 37.6 and close to the national 41.0.
It ranks 13th of 106 Missouri counties with approvals. In FY2025 there were 21, about level with FY2024.
38 lenders had approvals here; the most active were Hawthorn Bank (8), BayFirst National Bank (7) and U.S. Bank, National Association (6). 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 Cass County
By number of approvals to businesses in the county, FY2021–FY2025; 38 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Hawthorn BankJefferson City, MO | 8 | $753K | 8.5% | |
| 2 | BayFirst National BankSaint Petersburg, FL | 7 | $590K | 7.4% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 6 | $2.1M | 6.4% | |
| 4 | Small Business BankLenexa, KS | 6 | $851K | 6.4% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 4 | $3.8M | 4.3% | |
| 6 | The Huntington National BankColumbus, OH | 4 | $2.1M | 4.3% | |
| 7 | Rural Missouri, Inc.Jefferson City, MO · CDC | 4 | $1.7M | 4.3% | |
| 8 | Equity BankAndover, KS | 4 | $1.4M | 4.3% | |
| 9 | Northeast BankLewiston, ME | 4 | $457K | 4.3% | |
| 10 | OakStar BankSpringfield, MO | 3 | $4.1M | 3.2% | |
| 11 | First American BankElk Grove Village, IL | 3 | $2.9M | 3.2% | |
| 12 | The Central Trust BankJefferson City, MO | 3 | $1.8M | 3.2% | |
| 13 | First National Bank of OmahaOmaha, NE | 3 | $1.1M | 3.2% | |
| 14 | Arvest BankFayetteville, AR | 3 | $208K | 3.2% | |
| 15 | Wilmington Savings Fund Society FSBWilmington, DE | 2 | — | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 15 | 16.0% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 7 | 7.4% | |
| 3 | General Freight TruckingNAICS 4841 | 5 | 5.3% | |
| 4 | Jewelry, Luggage, and Leather Goods RetailersNAICS 4583 | 4 | 4.3% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 4 | 4.3% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 4 | 4.3% | |
| 7 | Printing and Related Support ActivitiesNAICS 3231 | 3 | 3.2% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 3.2% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 3 | 3.2% | |
| 10 | Offices of DentistsNAICS 6212 | 3 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 16 | 17.0% | |
| 2 | Construction | 15 | 16.0% | |
| 3 | Retail Trade | 12 | 12.8% | |
| 4 | Health Care and Social Assistance | 11 | 11.7% | |
| 5 | Manufacturing | 8 | 8.5% | |
| 6 | Transportation and Warehousing | 8 | 8.5% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 8 | 8.5% | |
| 8 | Other Services (except Public Administration) | 4 | 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 | $488K | $65K | 0 | — | 5 | 24 |
| FY2025 | 21 | $11.4M | $245K | 0 | — | 21 | 185 |
| FY2024 | 20 | $6.9M | $150K | 1 | — | 21 | 139 |
| FY2023 | 20 | $6.8M | $157K | 2 | — | 22 | 153 |
| FY2022 | 15 | $6.9M | $117K | 1 | — | 16 | 203 |
| FY2021 | 12 | $5.2M | $173K | 2 | — | 14 | 90 |
| FY2020 | 7 | $1.8M | $293K | 2 | — | 9 | 59 |
| FY2019 | 11 | $2.6M | $173K | 1 | — | 12 | 192 |
| FY2018 | 11 | $4.5M | $250K | 0 | — | 11 | 72 |
| FY2017 | 13 | $5.3M | $193K | 1 | — | 14 | 208 |
| FY2016 | 13 | $7.5M | $285K | 3 | $1.1M | 16 | 255 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 62 approvals.
Against Missouri and the country
| FY2021–FY2025 | Cass County | Missouri | United States |
|---|---|---|---|
| Approvals | 94 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 43.8 | 37.6 | 41.0 |
| Median 7(a) approval | $155K | $225K | $190K |
| Median 504 approval | $330K | $553K | $657K |
| Average approval | $421K | $569K | $573K |
| 504 share of approvals | 6.4% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 8.2 | 11.0 | 10.5 |
| Share of state approvals | 1.7% | 100.0% | — |
Approval sizes
- $50,000 or less14.9%14
- $50,001 to $150,00034.0%32
- $150,001 to $350,00018.1%17
- $350,001 to $1 million21.3%20
- $1 million to $2 million9.6%9
- Over $2 million2.1%2
Age of the businesses
- Existing, more than 2 years old40.4%38
- New business, 2 years or less23.4%22
- Startup, loan funds will open the business27.7%26
- Change of ownership7.4%7
- Not answered1.1%1
Questions and answers
Which lenders make the most SBA loans in Cass County?
By approvals in FY2021 to FY2025: Hawthorn Bank (8), BayFirst National Bank (7), U.S. Bank, National Association (6), Small Business Bank (6), Wells Fargo Bank National Association (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Cass County?
The median 7(a) approval was $155K and the median 504 approval $330K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Cass County?
Restaurants and Other Eating Places (15); Services to Buildings and Dwellings (7); General Freight Trucking (5); Jewelry, Luggage, and Leather Goods Retailers (4); Building Equipment Contractors (4).
Is SBA lending in Cass County rising?
Approvals in the three latest complete fiscal years total 64, against 39 in the three before: rising (+64%).
How does Cass County compare with the rest of Missouri?
43.8 approvals per 1,000 establishments against 37.6 statewide, and 94 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