Lenders › Commerce Bank
7(a) lenderKansas City, MissouriFDIC-insured bank131st of 2,184 by approvals
Commerce Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
Commerce Bank (Kansas City, Missouri) is an FDIC-insured bank in the SBA 7(a) program, 131st of 2,184 by approvals in FY2021 to FY2025: 285 loans worth $89.3M.
In FY2025, the latest complete fiscal year, it had 48 approvals totalling $12.2M, down 35% on FY2024 (74). FY2026 to 30 Jun 2026 adds 14 more.
The median approval was $100K, against $190K for the 7(a) program as a whole; 60.4% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 10 states and territories and 60 counties, led by Missouri (58.2%), Kansas (23.2%) and Colorado (7.7%). The largest industry group was transportation and warehousing at 14.0% of approvals, and 6.3% of approvals were to franchise businesses.
Of 723 disbursed loans approved in FY2010 to FY2021, SBA records 13 as charged off (1.8%), 674 as paid in full and 36 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 14 | $5.1M | $168K | $367K | 141 |
| FY2025 | 48 | $12.2M | $99K | $254K | 265 |
| FY2024 | 74 | $22.5M | $100K | $304K | 959 |
| FY2023 | 52 | $14.5M | $98K | $279K | 459 |
| FY2022 | 52 | $17.6M | $123K | $338K | 343 |
| FY2021 | 59 | $22.5M | $137K | $381K | 743 |
| FY2020 | 34 | $15.5M | $72K | $456K | 338 |
| FY2019 | 30 | $6.1M | $128K | $202K | 170 |
| FY2018 | 46 | $16.3M | $100K | $355K | 493 |
| FY2017 | 66 | $22.3M | $100K | $338K | 243 |
| FY2016 | 69 | $16.9M | $100K | $246K | 609 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 245 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Missouri | 7(a) program |
|---|---|---|---|
| Approvals in these years | 836 | 11,816 | 639,905 |
| Cancelled or never disbursed | 113 | 1,369 | 79,313 |
| Disbursed loans | 723 | 10,447 | 560,592 |
| Paid in full | 674 | 8,078 | 435,813 |
| Charged off | 13 | 777 | 36,891 |
| Still outstanding (status exempt from disclosure) | 36 | 1,592 | 87,888 |
| Charged off, share of disbursed loans | 1.8% | 7.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.3% | 3.6% | 2.5% |
| Dollars charged off | $731K | $149M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 50 | 36 | 0 | 0.0% | 2.8% |
| FY2020 | 29 | 28 | 0 | — | 4.0% |
| FY2019 | 28 | 27 | 0 | — | 6.7% |
| FY2018 | 40 | 32 | 1 | 2.5% | 7.9% |
| FY2017 | 61 | 52 | 0 | 0.0% | 7.7% |
| FY2016 | 65 | 61 | 2 | 3.1% | 7.2% |
| FY2015 | 61 | 61 | 0 | 0.0% | 6.9% |
| FY2014 | 43 | 41 | 2 | 4.7% | 6.4% |
| FY2013 | 63 | 63 | 0 | 0.0% | 6.0% |
| FY2012 | 79 | 76 | 3 | 3.8% | 6.3% |
| FY2011 | 111 | 106 | 3 | 2.7% | 6.9% |
| FY2010 | 93 | 91 | 2 | 2.2% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $100K | $190K |
| Average approval | $313K | $518K |
| Approvals of $150,000 or less | 60.4% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 34.0% | 34.3% |
| Approvals to franchise businesses | 6.3% | 11.5% |
| Jobs supported per approval, as reported | 9.7 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 1.8% | 6.6% |
States served
| # | State of the business (10 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Missouri | 166 | $55.4M | 58.2% | |
| 2 | Kansas | 66 | $15.4M | 23.2% | |
| 3 | Colorado | 22 | $7.0M | 7.7% | |
| 4 | Illinois | 16 | $1.2M | 5.6% | |
| 5 | Oklahoma | 5 | $1.4M | 1.8% | |
| 6 | Ohio | 3 | $414K | 1.1% | |
| 7 | Texas | 2 | — | 0.7% | |
| 8 | Georgia | 2 | — | 0.7% | |
| 9 | Arkansas | 2 | — | 0.7% | |
| 10 | Florida | 1 | — | 0.4% |
In Missouri the lender accounts for 3.2% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (60 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Johnson County, KS | 34 | $9.2M | 11.9% | |
| 2 | St. Louis County, MO | 32 | $12.7M | 11.2% | |
| 3 | Jackson County, MO | 29 | $6.3M | 10.2% | |
| 4 | St. Charles County, MO | 17 | $3.7M | 6.0% | |
| 5 | Boone County, MO | 14 | $2.7M | 4.9% | |
| 6 | Clay County, MO | 13 | $2.2M | 4.6% | |
| 7 | Greene County, MO | 12 | $7.2M | 4.2% | |
| 8 | Sedgwick County, KS | 8 | $3.3M | 2.8% | |
| 9 | Audrain County, MO | 8 | $1.8M | 2.8% | |
| 10 | Arapahoe County, CO | 6 | $4.4M | 2.1% | |
| 11 | Riley County, KS | 6 | $408K | 2.1% | |
| 12 | Jefferson County, MO | 4 | $1.9M | 1.4% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 40 | 14.0% | |
| 2 | Professional, Scientific, and Technical Services | 39 | 13.7% | |
| 3 | Construction | 33 | 11.6% | |
| 4 | Wholesale Trade | 24 | 8.4% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 24 | 8.4% | |
| 6 | Health Care and Social Assistance | 22 | 7.7% | |
| 7 | Retail Trade | 21 | 7.4% | |
| 8 | Manufacturing | 20 | 7.0% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 28 | 9.8% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 21 | 7.4% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 11 | 3.9% | |
| 4 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 10 | 3.5% | |
| 5 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 9 | 3.2% | |
| 6 | Building Finishing ContractorsNAICS 2383 | 9 | 3.2% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 8 | 2.8% | |
| 8 | Offices of DentistsNAICS 6212 | 7 | 2.5% | |
| 9 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 7 | 2.5% | |
| 10 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 6 | 2.1% |
Approval sizes
- $50,000 or less29.8%85
- $50,001 to $150,00030.5%87
- $150,001 to $350,00023.2%66
- $350,001 to $1 million11.6%33
- $1 million to $2 million1.4%4
- Over $2 million3.5%10
Loan terms
- 5 years or less30.2%86
- Over 5 to 10 years55.8%159
- Over 10 to 20 years13.3%38
- Over 20 years0.7%2
Age of the businesses
- Existing, more than 2 years old61.1%174
- New business, 2 years or less7.4%21
- Startup, loan funds will open the business26.7%76
- Change of ownership4.9%14
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 137 | 48.1% | |
| 2 | Preferred Lenders Program | 133 | 46.7% | |
| 3 | Preferred Lenders with EWCP | 6 | 2.1% | |
| 4 | Preferred Lenders with WCP | 3 | 1.1% | |
| 5 | Working Capital CAPLine | 2 | 0.7% | |
| 6 | 7a General | 2 | 0.7% |
Franchise share
18 of 285 approvals in FY2021–FY2025 (6.3%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Baskin-Robbins | 2 | 0.7% | |
| 2 | That 1 Painter | 2 | 0.7% | |
| 3 | Five Star Painting | 2 | 0.7% | |
| 4 | Carquest | 1 | 0.4% | |
| 5 | D-Bat | 1 | 0.4% | |
| 6 | Massage Envy | 1 | 0.4% | |
| 7 | Lutfi's Fried Fish | 1 | 0.4% | |
| 8 | Crushr | 1 | 0.4% |
Questions and answers
How many SBA loans does Commerce Bank make?
SBA approved 48 7(a) loans through Commerce Bank in FY2025, worth $12.2M, and 285 over FY2021 to FY2025. That ranks 131st of 2,184 active 7(a) lenders by number of approvals.
How large are Commerce Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $100K and the average $313K. The program-wide median was $190K.
What is Commerce Bank's charge-off rate?
Of 723 disbursed loans approved in FY2010 to FY2021, SBA records 13 as charged off (1.8%), 674 as paid in full and 36 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Commerce Bank lend to most?
By number of approvals in FY2021 to FY2025: general freight trucking (28); services to buildings and dwellings (21); restaurants and other eating places (11); other professional, scientific, and technical services (10).
Where does Commerce Bank make SBA loans?
In 10 states and territories. Missouri 166, Kansas 66, Colorado 22, Illinois 16, Oklahoma 5. In Missouri it accounts for 3.2% of all 7(a) approvals.
Is Commerce Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 174, against 145 in the three before: rising (+20%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error