States › Missouri › Laclede County
County32nd of 106 in Missouri by approvalsFIPS 29105
SBA loans in Laclede 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 Laclede County, Missouri, received 30 SBA loan approvals worth $8.3M in FY2021 to FY2025 (29 7(a), 1 504).
That is 41.2 approvals per 1,000 business establishments (729 establishments in 2023), close to the Missouri figure of 37.6 and close to the national 41.0.
It ranks 32nd of 106 Missouri counties with approvals. In FY2025 there were 4.
10 lenders had approvals here; the most active were Heritage Bank of the Ozarks (11), U.S. Bank, National Association (9) and OakStar Bank (2). The most common industry was personal 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 Laclede County
By number of approvals to businesses in the county, FY2021–FY2025; 10 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Heritage Bank of the OzarksLebanon, MO | 11 | $2.4M | 36.7% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 9 | $221K | 30.0% | |
| 3 | OakStar BankSpringfield, MO | 2 | — | 6.7% | |
| 4 | Guaranty BankSpringfield, MO | 2 | — | 6.7% | |
| 5 | Elevate Bank National AssociationSedan, KS | 1 | — | 3.3% | |
| 6 | Rural Missouri, Inc.Jefferson City, MO · CDC | 1 | — | 3.3% | |
| 7 | OMB BankSpringfield, MO | 1 | — | 3.3% | |
| 8 | Legacy Bank & Trust CompanyMt. Grove, MO | 1 | — | 3.3% | |
| 9 | Southern BankPoplar Bluff, MO | 1 | — | 3.3% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 3.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Personal Care ServicesNAICS 8121 | 4 | 13.3% | |
| 2 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 3 | 10.0% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 10.0% | |
| 4 | Building Finishing ContractorsNAICS 2383 | 3 | 10.0% | |
| 5 | Remediation and Other Waste Management ServicesNAICS 5629 | 2 | 6.7% | |
| 6 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 1 | 3.3% | |
| 7 | Nursing Care Facilities (Skilled Nursing Facilities)NAICS 6231 | 1 | 3.3% | |
| 8 | Motor Vehicle and Motor Vehicle Parts and Supplies Merchant WholesalersNAICS 4231 | 1 | 3.3% | |
| 9 | Animal Slaughtering and ProcessingNAICS 3116 | 1 | 3.3% | |
| 10 | Health and Personal Care RetailersNAICS 4561 | 1 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 6 | 20.0% | |
| 2 | Other Services (except Public Administration) | 5 | 16.7% | |
| 3 | Manufacturing | 4 | 13.3% | |
| 4 | Construction | 4 | 13.3% | |
| 5 | Health Care and Social Assistance | 3 | 10.0% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 3 | 10.0% | |
| 7 | Transportation and Warehousing | 2 | 6.7% | |
| 8 | Wholesale Trade | 1 | 3.3% |
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 | $3.3M | $75K | 0 | — | 5 | 21 |
| FY2025 | 4 | $1.8M | $23K | 0 | — | 4 | 19 |
| FY2024 | 7 | $744K | $67K | 0 | — | 7 | 22 |
| FY2023 | 6 | $1.4M | $148K | 0 | — | 6 | 47 |
| FY2022 | 3 | $180K | $30K | 0 | — | 3 | 28 |
| FY2021 | 9 | $3.3M | $175K | 1 | — | 10 | 54 |
| FY2020 | 11 | $2.0M | $40K | 0 | — | 11 | 49 |
| FY2019 | 5 | $703K | $138K | 0 | — | 5 | 19 |
| FY2018 | 9 | $2.3M | $25K | 0 | — | 9 | 22 |
| FY2017 | 11 | $923K | $50K | 0 | — | 11 | 52 |
| FY2016 | 12 | $3.6M | $48K | 0 | — | 12 | 48 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 48 approvals.
Against Missouri and the country
| FY2021–FY2025 | Laclede County | Missouri | United States |
|---|---|---|---|
| Approvals | 30 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 41.2 | 37.6 | 41.0 |
| Median 7(a) approval | $70K | $225K | $190K |
| Median 504 approval | — | $553K | $657K |
| Average approval | $277K | $569K | $573K |
| 504 share of approvals | 3.3% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 5.7 | 11.0 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less40.0%12
- $50,001 to $150,00023.3%7
- $150,001 to $350,0006.7%2
- $350,001 to $1 million26.7%8
- $1 million to $2 million3.3%1
Age of the businesses
- Existing, more than 2 years old46.7%14
- New business, 2 years or less23.3%7
- Startup, loan funds will open the business13.3%4
- Change of ownership16.7%5
Questions and answers
Which lenders make the most SBA loans in Laclede County?
By approvals in FY2021 to FY2025: Heritage Bank of the Ozarks (11), U.S. Bank, National Association (9), OakStar Bank (2), Guaranty Bank (2), Elevate Bank National Association (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Laclede County?
The median 7(a) approval was $70K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Laclede County?
Personal Care Services (4); RV (Recreational Vehicle) Parks and Recreational Camps (3); Restaurants and Other Eating Places (3); Building Finishing Contractors (3); Remediation and Other Waste Management Services (2).
Is SBA lending in Laclede County rising?
Approvals in the three latest complete fiscal years total 17, against 24 in the three before: falling (-29%).
How does Laclede County compare with the rest of Missouri?
41.2 approvals per 1,000 establishments against 37.6 statewide, and 30 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