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County24th of 106 in Missouri by approvalsFIPS 29159
SBA loans in Pettis 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 40 loans to businesses in Pettis County, Missouri, in FY2021 to FY2025, worth $55.2M: 36 under 7(a) and 4 under 504.
That is 39.8 approvals per 1,000 business establishments (1,004 establishments in 2023), close to the Missouri figure of 37.6 and close to the national 41.0.
It ranks 24th of 106 Missouri counties with approvals. In FY2025 there were 12.
21 lenders had approvals here; the most active were Live Oak Banking Company (7), Equity Bank (6) and Simmons Bank (3). The most common industry was poultry and egg production.
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 Pettis County
By number of approvals to businesses in the county, FY2021–FY2025; 21 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking CompanyWilmington, NC | 7 | $25.4M | 17.5% | |
| 2 | Equity BankAndover, KS | 6 | $2.5M | 15.0% | |
| 3 | Simmons BankPine Bluff, AR | 3 | $2.5M | 7.5% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 3 | $88K | 7.5% | |
| 5 | Native American Bank, National AssociationDenver, CO | 2 | — | 5.0% | |
| 6 | Rural Missouri, Inc.Jefferson City, MO · CDC | 2 | — | 5.0% | |
| 7 | The Huntington National BankColumbus, OH | 2 | — | 5.0% | |
| 8 | The Central Trust BankJefferson City, MO | 2 | — | 5.0% | |
| 9 | Shoreham BankWarwick, RI | 1 | — | 2.5% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 1 | — | 2.5% | |
| 11 | Frontier Financial Partners, Inc.Emporia, KS · CDC | 1 | — | 2.5% | |
| 12 | First Bank of the LakeOsage Beach, MO | 1 | — | 2.5% | |
| 13 | Banc of CaliforniaLos Angeles, CA | 1 | — | 2.5% | |
| 14 | Cogent BankOrlando, FL | 1 | — | 2.5% | |
| 15 | UMB Bank, National AssociationKansas City, MO | 1 | — | 2.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Poultry and Egg ProductionNAICS 1123 | 6 | 15.0% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 10.0% | |
| 3 | Specialty Food StoresNAICS 4452 | 3 | 7.5% | |
| 4 | Automobile DealersNAICS 4411 | 2 | 5.0% | |
| 5 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 5.0% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 5.0% | |
| 7 | Lessors of Real EstateNAICS 5311 | 2 | 5.0% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 5.0% | |
| 9 | Advertising, Public Relations, and Related ServicesNAICS 5418 | 2 | 5.0% | |
| 10 | Gasoline StationsNAICS 4571 | 2 | 5.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 9 | 22.5% | |
| 2 | Agriculture, Forestry, Fishing and Hunting | 6 | 15.0% | |
| 3 | Accommodation and Food Services | 5 | 12.5% | |
| 4 | Construction | 5 | 12.5% | |
| 5 | Professional, Scientific, and Technical Services | 4 | 10.0% | |
| 6 | Other Services (except Public Administration) | 4 | 10.0% | |
| 7 | Real Estate and Rental and Leasing | 2 | 5.0% | |
| 8 | Manufacturing | 2 | 5.0% |
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* | 0 | — | — | 0 | — | 0 | 0 |
| FY2025 | 12 | $22.6M | $1.6M | 0 | — | 12 | 115 |
| FY2024 | 8 | $4.1M | $226K | 0 | — | 8 | 77 |
| FY2023 | 9 | $17.4M | $2.0M | 1 | — | 10 | 129 |
| FY2022 | 3 | $4.6M | $2.0M | 1 | — | 4 | 86 |
| FY2021 | 4 | $1.0M | $258K | 2 | — | 6 | 76 |
| FY2020 | 2 | — | — | 0 | — | 2 | 27 |
| FY2019 | 1 | — | — | 0 | — | 1 | 16 |
| FY2018 | 6 | $2.6M | $62K | 1 | — | 7 | 27 |
| FY2017 | 3 | $244K | $75K | 0 | — | 3 | 2 |
| FY2016 | 1 | — | — | 0 | — | 1 | 3 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 14 approvals.
Against Missouri and the country
| FY2021–FY2025 | Pettis County | Missouri | United States |
|---|---|---|---|
| Approvals | 40 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 39.8 | 37.6 | 41.0 |
| Median 7(a) approval | $616K | $225K | $190K |
| Median 504 approval | $1.2M | $553K | $657K |
| Average approval | $1.4M | $569K | $573K |
| 504 share of approvals | 10.0% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 12.1 | 11.0 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less10.0%4
- $50,001 to $150,00015.0%6
- $150,001 to $350,00017.5%7
- $350,001 to $1 million12.5%5
- $1 million to $2 million10.0%4
- Over $2 million35.0%14
Age of the businesses
- Existing, more than 2 years old45.0%18
- New business, 2 years or less17.5%7
- Startup, loan funds will open the business27.5%11
- Change of ownership10.0%4
Questions and answers
Which lenders make the most SBA loans in Pettis County?
By approvals in FY2021 to FY2025: Live Oak Banking Company (7), Equity Bank (6), Simmons Bank (3), U.S. Bank, National Association (3), Native American Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Pettis County?
The median 7(a) approval was $616K and the median 504 approval $1.2M; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Pettis County?
Poultry and Egg Production (6); Restaurants and Other Eating Places (4); Specialty Food Stores (3); Automobile Dealers (2); Other Professional, Scientific, and Technical Services (2).
Is SBA lending in Pettis County rising?
Approvals in the three latest complete fiscal years total 30, against 12 in the three before: rising (+150%).
How does Pettis County compare with the rest of Missouri?
39.8 approvals per 1,000 establishments against 37.6 statewide, and 40 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