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County2nd of 106 in Missouri by approvalsFIPS 29095
SBA loans in Jackson 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.
SBA approved 743 loans to businesses in Jackson County, Missouri, in FY2021 to FY2025, worth $449M: 672 under 7(a) and 71 under 504.
That is 40.8 approvals per 1,000 business establishments (18,212 establishments in 2023), close to the Missouri figure of 37.6 and close to the national 41.0.
It ranks 2nd of 106 Missouri counties with approvals. In FY2025 there were 181, up 18% on FY2024.
127 lenders had approvals here; the most active were U.S. Bank, National Association (61), Heartland Business Capital, Inc. (34) and UMB Bank, National Association (34). 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 Jackson County
By number of approvals to businesses in the county, FY2021–FY2025; 127 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 61 | $11.0M | 8.2% | |
| 2 | Heartland Business Capital, Inc.Overland Park, KS · CDC | 34 | $23.9M | 4.6% | |
| 3 | UMB Bank, National AssociationKansas City, MO | 34 | $20.1M | 4.6% | |
| 4 | Small Business BankLenexa, KS | 34 | $13.2M | 4.6% | |
| 5 | Commerce BankKansas City, MO | 29 | $6.3M | 3.9% | |
| 6 | Rural Missouri, Inc.Jefferson City, MO · CDC | 27 | $22.5M | 3.6% | |
| 7 | First National Bank of OmahaOmaha, NE | 27 | $10.6M | 3.6% | |
| 8 | Northeast BankLewiston, ME | 24 | $3.0M | 3.2% | |
| 9 | OakStar BankSpringfield, MO | 23 | $33.3M | 3.1% | |
| 10 | The Huntington National BankColumbus, OH | 20 | $4.9M | 2.7% | |
| 11 | CommunityAmerica Federal Credit UnionLenexa, KS | 19 | $10.7M | 2.6% | |
| 12 | Readycap Lending, LLCBerkeley Heights, NJ | 19 | $4.1M | 2.6% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 18 | $10.3M | 2.4% | |
| 14 | Equity BankAndover, KS | 17 | $8.5M | 2.3% | |
| 15 | The Central Trust BankJefferson City, MO | 16 | $5.1M | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 73 | 9.8% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 40 | 5.4% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 28 | 3.8% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 26 | 3.5% | |
| 5 | Personal Care ServicesNAICS 8121 | 23 | 3.1% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 21 | 2.8% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 20 | 2.7% | |
| 8 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 18 | 2.4% | |
| 9 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 17 | 2.3% | |
| 10 | Architectural, Engineering, and Related ServicesNAICS 5413 | 16 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 93 | 12.5% | |
| 2 | Construction | 90 | 12.1% | |
| 3 | Health Care and Social Assistance | 89 | 12.0% | |
| 4 | Professional, Scientific, and Technical Services | 88 | 11.8% | |
| 5 | Other Services (except Public Administration) | 86 | 11.6% | |
| 6 | Manufacturing | 51 | 6.9% | |
| 7 | Retail Trade | 47 | 6.3% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 42 | 5.7% |
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* | 92 | $63.8M | $263K | 8 | $13.0M | 100 | 851 |
| FY2025 | 167 | $86.3M | $240K | 14 | $9.5M | 181 | 1,999 |
| FY2024 | 142 | $82.2M | $200K | 12 | $7.6M | 154 | 2,138 |
| FY2023 | 112 | $69.5M | $272K | 10 | $9.5M | 122 | 1,774 |
| FY2022 | 113 | $51.3M | $167K | 21 | $16.1M | 134 | 1,760 |
| FY2021 | 138 | $104M | $470K | 14 | $12.7M | 152 | 2,372 |
| FY2020 | 90 | $39.8M | $243K | 15 | $11.4M | 105 | 1,411 |
| FY2019 | 99 | $57.0M | $203K | 10 | $8.4M | 109 | 1,397 |
| FY2018 | 89 | $55.1M | $268K | 9 | $4.8M | 98 | 1,204 |
| FY2017 | 113 | $45.5M | $200K | 21 | $11.8M | 134 | 1,485 |
| FY2016 | 127 | $58.7M | $150K | 11 | $4.8M | 138 | 2,084 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 584 approvals.
Against Missouri and the country
| FY2021–FY2025 | Jackson County | Missouri | United States |
|---|---|---|---|
| Approvals | 743 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 40.8 | 37.6 | 41.0 |
| Median 7(a) approval | $250K | $225K | $190K |
| Median 504 approval | $619K | $553K | $657K |
| Average approval | $605K | $569K | $573K |
| 504 share of approvals | 9.6% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 13.5 | 11.0 | 10.5 |
| Share of state approvals | 13.1% | 100.0% | — |
Approval sizes
- $50,000 or less14.9%111
- $50,001 to $150,00021.0%156
- $150,001 to $350,00018.4%137
- $350,001 to $1 million29.7%221
- $1 million to $2 million9.3%69
- Over $2 million6.6%49
Age of the businesses
- Existing, more than 2 years old54.8%407
- New business, 2 years or less17.1%127
- Startup, loan funds will open the business17.4%129
- Change of ownership10.8%80
Questions and answers
Which lenders make the most SBA loans in Jackson County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (61), Heartland Business Capital, Inc. (34), UMB Bank, National Association (34), Small Business Bank (34), Commerce Bank (29). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Jackson County?
The median 7(a) approval was $250K and the median 504 approval $619K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Jackson County?
Restaurants and Other Eating Places (73); Automotive Repair and Maintenance (40); Offices of Other Health Practitioners (28); Other Amusement and Recreation Industries (26); Personal Care Services (23).
Is SBA lending in Jackson County rising?
Approvals in the three latest complete fiscal years total 457, against 391 in the three before: rising (+17%).
How does Jackson County compare with the rest of Missouri?
40.8 approvals per 1,000 establishments against 37.6 statewide, and 743 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