SBA Ledger

States › Missouri

State1.7% of US approvals297 lenders active

SBA loans in Missouri

7(a) and 504 approvals by fiscal year, the lenders behind them, and where in the state they went. Pick a fiscal year for that year's lenders and counties.

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 5,688 small business loans in Missouri in FY2021 to FY2025: 5,125 under the 7(a) program and 563 under 504, worth $3.23bn together.

That is 37.6 approvals for every 1,000 business establishments in the state, against 41.0 nationally, and 1.7% of all approvals in the country (21st of 54 states and territories).

In FY2025 there were 1,285 approvals totalling $815M, up 14% on FY2024. The median 7(a) approval over the five years was $225K and the median 504 approval $553K.

297 lenders had at least one approval in the state; by number of 7(a) approvals the most active were U.S. Bank, National Association (469), OakStar Bank (442) and The Central Trust Bank (239).

Of 7(a) loans approved in FY2010 to FY2021 and disbursed, SBA records 7.4% as charged off, against 6.6% nationally.

1,285approvals, FY20255,688 in FY2021–FY2025
$815Mapproved, FY2025$3.23bn in FY2021–FY2025
37.6approvals per 1,000 establishments, FY2021–FY2025US: 41.0
$225Kmedian 7(a) approvalUS: $190K
7.4%7(a) loans approved FY2010–FY2021 charged offUS: 6.6%

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.

Most active 7(a) lenders in Missouri

Ranked by number of approvals to businesses in the state, FY2021–FY2025. The column of bars shows each lender's approvals here in every fiscal year; the charged-off column is the lender's nationwide figure.

#LenderApprovals in MO, FY2021–25DollarsShareMedian approval, all statesFY2016–26Charged off, FY2010–21 loans
1U.S. Bank, National AssociationCincinnati, OH469$71.3M9.2%$45K6.2%
2OakStar BankSpringfield, MO442$321M8.6%$393K8.8%
3The Central Trust BankJefferson City, MO239$51.6M4.7%$110K7.9%
4The Huntington National BankColumbus, OH183$78.0M3.6%$92K5.7%
5Commerce BankKansas City, MO166$55.4M3.2%$100K1.8%
6The Bank of MissouriPerryville, MO138$49.8M2.7%$213K9.0%
7Live Oak Banking CompanyWilmington, NC120$205M2.3%$850K2.2%
8Regent BankTulsa, OK120$63.9M2.3%$325K6.8%
9Northeast BankLewiston, ME114$14.0M2.2%$106K12.8%
10BayFirst National BankSaint Petersburg, FL110$17.7M2.1%$150K19.2%
11Newtek Bank, National AssociationMiami, FL95$47.1M1.9%$225K—
12Midwest Regional BankFestus, MO94$95.7M1.8%$613K10.5%
13Guaranty BankSpringfield, MO87$31.5M1.7%$200K7.5%
14Arvest BankFayetteville, AR83$21.0M1.6%$100K4.9%
15Readycap Lending, LLCBerkeley Heights, NJ83$15.6M1.6%$138K4.3%
16Legacy Bank & Trust CompanyMt. Grove, MO74$32.7M1.4%$280K0.0%
17The Bank of HoustonHouston, MO73$64.8M1.4%$487K0.0%
18Southern BankPoplar Bluff, MO72$33.7M1.4%$309K6.5%
19OMB BankSpringfield, MO70$41.5M1.4%$346K—
20UMB Bank, National AssociationKansas City, MO68$35.5M1.3%$356K5.5%
21The Callaway BankFulton, MO61$11.3M1.2%$145K3.5%
22Hawthorn BankJefferson City, MO58$11.7M1.1%$150K3.8%
23St. Louis BankSt. Louis, MO56$53.2M1.1%$713K1.0%
24Equity BankAndover, KS51$24.7M1.0%$272K1.7%
25United Midwest Savings Bank National AssociationDe Graff, OH49$16.3M1.0%$150K15.9%
26Small Business BankLenexa, KS48$15.4M0.9%$140K0.9%
27Branson BankBranson, MO46$14.9M0.9%$271K0.0%
28American Bank of FreedomWellsville, MO45$46.3M0.9%$570K1.0%
29Busey BankChampaign, IL42$46.3M0.8%$746K6.5%
30Celtic Bank CorporationSalt Lake City, UT42$23.5M0.8%$150K17.0%
31Newtek Small Business Finance, Inc.Lake Success, NY41$19.4M0.8%$300K6.8%
32First National Bank of OmahaOmaha, NE37$14.2M0.7%$201K4.3%
33Bank of SpringfieldSpringfield, IL36$22.1M0.7%$167K5.7%
34Justine Petersen Housing & Reinvestment CorporationSt. Louis, MO35$4.3M0.7%$126K17.5%
35Simmons BankPine Bluff, AR34$22.1M0.7%$348K10.6%
36CommunityAmerica Federal Credit UnionLenexa, KS33$17.0M0.6%$250K—
37Midland States BankEffingham, IL33$10.6M0.6%$243K7.5%
38Sullivan BankSullivan, MO33$7.7M0.6%$145K2.8%
39Enterprise Bank & TrustClayton, MO32$27.2M0.6%$941K1.1%
40First Bank of the LakeOsage Beach, MO31$30.5M0.6%$350K2.7%

504 certified development companies

#LenderApprovals in MO, FY2021–25DollarsShareMedian approval, all statesFY2016–26Charged off, FY2010–21 loans
1Rural Missouri, Inc.Jefferson City, MO · 504 CDC256$230M45.5%$588K0.8%
2St. Charles County Economic Development CouncilSt. Charles, MO · 504 CDC118$96.0M21.0%$484K1.2%
3Heartland Business Capital, Inc.Overland Park, KS · 504 CDC47$33.1M8.3%$596K0.9%
4STL Partnership CDCSt. Louis, MO · 504 CDC33$26.4M5.9%$707K1.8%
5Enterprise Development CorporationColumbia, MO · 504 CDC28$17.0M5.0%$327K1.4%
6Small Business Growth CorporationSpringfield, IL · 504 CDC27$31.8M4.8%$609K1.4%
7St. Louis Local Development CompanySt. Louis, MO · 504 CDC14$7.3M2.5%$323K—
8Clay/Platte Development CorporationGladstone, MO · 504 CDC12$8.6M2.1%$437K2.2%
9Mo-Kan Development, Inc.St. Joseph, MO · 504 CDC9$3.9M1.6%$217K2.9%
10Frontier Financial Partners, Inc.Emporia, KS · 504 CDC6$7.8M1.1%$666K4.9%
11Mortgage Capital Development CorporationOakland, CA · 504 CDC2—0.4%$913K0.3%
12SomerCor 504, Inc.Chicago, IL · 504 CDC2—0.4%$587K1.4%

Fiscal-year ledger

Fiscal year7(a) approvals7(a) dollarsMedian 7(a)504 approvals504 dollarsAll approvalsJobs supported, as reported
FY2026*626$395M$226K45$49.6M6715,993
FY20251,201$714M$240K84$100M1,28512,124
FY20241,047$498M$188K77$56.5M1,12412,116
FY2023898$500M$200K90$86.4M98811,939
FY2022916$419M$200K153$115M1,06911,862
FY20211,063$625M$305K159$119M1,22214,479
FY2020788$354M$173K104$73.0M89210,533
FY2019846$372M$166K88$68.5M9349,539
FY2018938$438M$175K111$68.8M1,04911,365
FY20171,048$419M$150K122$67.1M1,17012,513
FY20161,071$446M$150K90$51.7M1,16113,456

7(a) approvals504 approvals

919293949596979899000102030405060708091011121314151617181920212223242526
SBA approvals in Missouri by fiscal year, FY1991 to FY2026.

Counties

Approvals in FY2021–FY2025 set against the Census Bureau's count of business establishments. Counties with at least 30 approvals have their own page.

#CountyApprovalsDollarsEstablishmentsPer 1,000 establishmentsBy fiscal year
1St. Louis County943$618M29,71731.7
2Jackson County743$449M18,21240.8
3Greene County546$326M8,67662.9
4St. Charles County393$234M8,94643.9
5Boone County260$81.9M4,72555.0
6St. Louis city255$137M8,46830.1
7Clay County228$101M5,65440.3
8Jasper County185$92.1M2,82865.4
9Christian County144$71.4M2,09868.6
10Taney County119$79.3M1,92861.7
11Jefferson County116$48.0M3,95629.3
12Franklin County115$67.9M2,70242.6
13Cass County94$39.6M2,14843.8
14Platte County93$62.0M2,65935.0
15Camden County69$55.4M1,56644.1
16Polk County69$36.3M600115.0
17Buchanan County60$52.8M2,02729.6
18Newton County54$31.5M1,25143.2
19Lawrence County53$21.3M68976.9
20Callaway County50$15.8M78263.9
21Cape Girardeau County46$17.7M2,33419.7
22Cole County45$28.2M2,22420.2
23Johnson County41$12.6M95143.1
24Pettis County40$55.2M1,00439.8
25St. Francois County39$19.6M1,43827.1
26Webster County36$13.9M74348.5
27Warren County36$15.8M65455.0
28Phelps County33$19.5M1,05031.4
29Miller County33$21.2M71446.2
30Stone County32$17.1M73643.5
31Barry County30$16.6M77538.7
32Laclede County30$8.3M72941.2
33Henry County30$15.0M59350.6
34Pulaski County29$11.6M65344.4
35Dallas County29$7.9M267108.6
36Randolph County27$9.7M55149.0
37Lafayette County26$7.2M73235.5
38Lincoln County25$12.1M1,01024.8
39Butler County21$12.7M1,03020.4
40Scott County19$9.6M97019.6
41Morgan County18$20.7M54533.0
42Texas County17$5.6M43339.3
43Cedar County17$4.7M30555.7
44Vernon County16$7.0M43636.7
45Crawford County16$7.0M49632.3
46Audrain County14$8.0M47029.8
47Hickory County14$3.4M15490.9
48Marion County14$8.5M79717.6
49Howell County13$4.1M1,07612.1
50Wright County13$9.2M43829.7
51Clinton County13$7.8M39233.2
52Cooper County13$9.9M40831.9
53Bates County12$3.9M34434.9
54St. Clair County11$2.2M16168.3
55McDonald County11$7.7M31235.3
56Barton County11$11.1M23746.4
57Dade County11$7.4M14774.8
58Benton County11$5.1M38328.7
59Ray County10$8.8M36027.8
60Perry County10$12.3M52019.2
61Macon County10$4.5M35028.6
62Stoddard County9$17.1M64414.0
63Montgomery County9$5.8M23937.7
64Washington County9$3.0M37124.3
65Howard County9$2.5M17950.3
66Ste. Genevieve County8$762K42318.9
67Livingston County7$4.0M39117.9
68Douglas County7$4.4M22431.3
69Moniteau County7$10.5M33021.2
70Pike County6$4.8M39515.2
71Ralls County6$3.1M22626.5
72New Madrid County6$2.8M37616.0
73Andrew County5$2.5M27618.1
74DeKalb County5$3.7M23121.6
75Oregon County5$12.7M17828.1
76Daviess County5$1.4M16729.9
77Adair County4$1.6M6066.6
78Wayne County4$1.9M19620.4
79Harrison County4$2.2M18022.2
80Nodaway County4$799K4918.1
81Dent County4$3.5M29213.7
82Saline County4$3.6M4518.9
83Shannon County4$2.1M14128.4
84Ozark County4$749K16324.5
85Chariton County4$2.3M19720.3
86Osage County3$1.0M27011.1
87Ripley County3$574K24812.1
88Dunklin County3$6.4M6065.0
89Bollinger County3$884K20015.0
90Sullivan County3$554K10229.4
91Caldwell County3$77K15319.6
92Scotland County2—13414.9
93Grundy County2—2219.0
94Atchison County2—17411.5
95Maries County2—13414.9
96Reynolds County2—14513.8
97Iron County1—1935.2
98Worth County1—5020.0
99Gasconade County1—4052.5
100Madison County1—2314.3
101Linn County1—3043.3
102Pemiscot County1—2843.5
103Mississippi County1—2144.7
104Mercer County1—7912.7
105Lewis County1—1825.5
106Clark County1—1347.5

Industries

#Industry group (NAICS 4-digit)ApprovalsDollarsShare
1Restaurants and Other Eating PlacesNAICS 7225530$269M9.3%
2Automotive Repair and MaintenanceNAICS 8111213$106M3.7%
3Other Amusement and Recreation IndustriesNAICS 7139210$113M3.7%
4Personal Care ServicesNAICS 8121180$41.1M3.2%
5Building Equipment ContractorsNAICS 2382172$73.5M3.0%
6Services to Buildings and DwellingsNAICS 5617153$41.2M2.7%
7Offices of Other Health PractitionersNAICS 6213152$44.4M2.7%
8General Freight TruckingNAICS 4841148$52.1M2.6%
9Other Specialty Trade ContractorsNAICS 2389129$68.0M2.3%
10Traveler AccommodationNAICS 7211119$224M2.1%
11Other Personal ServicesNAICS 8129116$46.0M2.0%
12Residential Building ConstructionNAICS 2361109$21.5M1.9%
13Building Finishing ContractorsNAICS 2383103$25.3M1.8%
14Foundation, Structure, and Building Exterior ContractorsNAICS 238198$50.9M1.7%
15Child Day Care ServicesNAICS 624495$52.7M1.7%

Sectors

#NAICS sectorApprovalsShare
1Accommodation and Food Services74813.2%
2Construction70412.4%
3Other Services (except Public Administration)62010.9%
4Retail Trade61510.8%
5Health Care and Social Assistance5038.8%
6Professional, Scientific, and Technical Services4638.1%
7Manufacturing4297.5%
8Administrative and Support and Waste Management and Remediation Services2734.8%
9Transportation and Warehousing2714.8%
10Arts, Entertainment, and Recreation2694.7%

Franchise brands

#BrandApprovalsShare
1Scooter's Coffee160.3%
2The UPS Store150.3%
3Days Inn120.2%
4Jersey Mike’s Subs110.2%
5Super 8 by Wyndhan100.2%
6Subway90.2%
7BLUSH Boot Camp80.1%
8Ellie Mental Health80.1%
9Quality Inn70.1%
10Domino's Pizza70.1%

How earlier loans turned out

Missouri, 7(a)7.4%
United States, 7(a)6.6%
Missouri, 5041.7%
United States, 5041.2%
Share of disbursed loans approved FY2010–FY2021 that SBA records as charged off, by program.
Loans approved FY2010–FY2021MO 7(a)US 7(a)MO 504US 504
Approvals in these years11,816639,9051,56385,591
Cancelled or never disbursed1,36979,31326012,514
Disbursed loans10,447560,5921,30373,077
Paid in full8,078435,81366335,491
Charged off77736,89122905
Still outstanding (status exempt from disclosure)1,59287,88861836,681
Charged off, share of disbursed loans7.4%6.6%1.7%1.2%
Dollars charged off, share of disbursed dollars3.6%2.5%1.3%0.9%
Dollars charged off$149M$5.70bn$10.3M$499M

Approval sizes

Age of the businesses

Against the country

FY2021–FY2025MissouriUnited States
Approvals per 1,000 establishments37.641.0
Median 7(a) approval$225K$190K
Median 504 approval$553K$657K
504 share of approvals9.9%11.0%
Jobs supported per approval, as reported11.010.5
Approvals, change on FY2016–FY20209%10%

Questions and answers

Which lenders make the most SBA loans in Missouri?

By 7(a) approvals in FY2021 to FY2025: U.S. Bank, National Association (469), OakStar Bank (442), The Central Trust Bank (239), The Huntington National Bank (183), Commerce Bank (166). For 504 loans: Rural Missouri, Inc. (256), St. Charles County Economic Development Council (118), Heartland Business Capital, Inc. (47). Volume says how active a lender is, nothing about terms or service.

How large are typical SBA loans in Missouri?

The median 7(a) approval was $225K and the median 504 approval $553K; the average across both programs was $569K.

Which industries get the most SBA loans in Missouri?

Restaurants and Other Eating Places (530); Automotive Repair and Maintenance (213); Other Amusement and Recreation Industries (210); Personal Care Services (180); Building Equipment Contractors (172).

Which Missouri counties receive the most SBA loans?

St. Louis County (943), Jackson County (743), Greene County (546), St. Charles County (393), Boone County (260), by approvals in FY2021 to FY2025.

Is SBA lending in Missouri rising?

Approvals in the three latest complete fiscal years total 3,397, against 3,183 in the three before: broadly level (+7%).

What share of SBA loans in Missouri are charged off?

Of 7(a) loans approved in FY2010 to FY2021 and disbursed, 7.4% are recorded as charged off (national: 6.6%); for 504 loans the figure is 1.7% (national: 1.2%). Newer loans are left out because most have not had time to reach either outcome.

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