Commercial Mortgage in Missouri
Browse 24 lenders offering commercial mortgage in Missouri. Compare rates, requirements, and loan programs — then connect directly.
Commercial Mortgage Lenders in Missouri
24 lenders offering commercial mortgage to borrowers in Missouri.
Live Oak Banking Company
WILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
COLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
Miami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
Cincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
US Metro Bank
GARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Readycap Lending, LLC
BERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
GBank
LAS VEGAS, NV
Fast-growing community bank based in Las Vegas and a top SBA preferred lender. Specializes in SBA 7(a) loans for hospitality, gas stations, convenience stores, and commercial real estate acquisition.
Wells Fargo Bank National Association
Sioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
First Bank of the Lake
Osage Beach, MO
Community bank based at the Lake of the Ozarks and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions, commercial real estate, and partner buyouts. Known for lending to franchises and hospitality businesses.
United Midwest Savings Bank National Association
DE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Byline Bank
CHICAGO, IL
Chicago-based bank and one of the top SBA 7(a) lenders in the Midwest. Provides SBA loans, commercial real estate financing, equipment loans, and government-guaranteed lending for small and mid-sized businesses.
Pathward National Association
SIOUX FALLS, SD
Technology-forward financial institution and SBA preferred lender. Specializes in SBA 7(a) loans, warehouse lending, and commercial finance solutions. Known for serving underbanked markets and fintech partnerships.
Enterprise Bank & Trust
CLAYTON, MO
Midwest-based bank and top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate financing, and specialty lending for industries like healthcare and professional services.
JPMorgan Chase Bank, National Association
Columbus, OH
The largest bank in the U.S. and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, and comprehensive financial services for businesses of all sizes.
Citizens Bank
ELIZABETHTON, TN
Regional bank based in Tennessee and an SBA preferred lender. Provides SBA 7(a) loans, conventional commercial lending, and business banking services to small and medium-sized businesses in the Southeast.
Lendistry SBLC, LLC
Los Angeles, CA
CDFI and SBA community advantage lender focused on providing responsible lending to small businesses in underserved communities. Offers SBA 7(a) loans, microloans, and commercial real estate financing with a focus on minority and women-owned businesses.
Gulf Coast Bank and Trust Company
NEW ORLEANS, LA
New Orleans-based community bank offering SBA 7(a) loans, commercial real estate financing, and business lines of credit. A top SBA lender in the Gulf South region with personalized service for small businesses.
Truliant FCU
Winston-Salem, NC
Winston-Salem, NC-based credit union serving members across the Carolinas and Virginia. Offers SBA 7(a) loans, commercial real estate financing, and business accounts with competitive credit union rates.
OakStar Bank
SPRINGFIELD, MO
Springfield, Missouri-based bank offering SBA 7(a) loans, commercial lending, and business banking. A trusted community bank serving small businesses across the Ozarks region.
About Commercial Mortgage in Missouri
Conventional commercial mortgages provide long-term financing for stabilized, income-producing commercial properties. Offered by banks, credit unions, and institutional lenders with competitive rates for qualified borrowers and properties. In Missouri, 24 lenders currently offer Commercial Mortgage financing with loan amounts from $250K to $50M and rates typically ranging from 6% - 8%.
Missouri Market Overview
Missouri benefits from its central location with both Kansas City and St. Louis serving as major logistics and financial centers. The state's diversified economy and moderate costs attract corporate operations across multiple sectors.
Missouri's real property is assessed at 32% of market value for commercial properties, with local tax rates varying significantly between St. Louis City, the counties, and Kansas City, making jurisdictional tax analysis important. The state's Chapter 353 and Chapter 100 tax abatement programs can provide 10 to 25 years of partial or full property tax abatement for qualifying redevelopment projects. Kansas City's and St. Louis's bifurcated city-county governance structures create distinct regulatory environments within each metro area, and investors should understand the implications for permitting, tax incentives, and zoning.
Who Should Consider Commercial Mortgage?
- Stabilized income properties
- Long-term holds
- Refinancing
- Experienced investors
Key Requirements
- Stabilized property with income history
- DSCR ≥ 1.20-1.25
- LTV ≤ 75-80%
- Borrower experience and liquidity
Pros and Cons
Advantages
- ✓Lower rates than bridge/hard money
- ✓Longer terms
- ✓Predictable payments
- ✓Build equity over time
Considerations
- •Stricter underwriting
- •Longer closing timeline
- •Prepayment penalties
- •Recourse may be required
Commercial Mortgage FAQ
What's the difference between a commercial mortgage and a residential mortgage? ▼
Commercial Mortgage by City in Missouri
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