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Commercial Mortgage in Kansas City, MO

Find lenders offering commercial mortgage in the Kansas City, including Independence, Lee's Summit, Liberty, and surrounding areas. Compare rates, terms, and programs from 24 lenders.

Lenders
24
Typical Rate
6% - 8%
Down Payment
20-30%
Term
5-30 years (often 5-10 year terms with 25-30 year amortization)
Closing Time
30-60 days

Commercial Mortgage Lenders Serving Kansas City

24 lenders offering commercial mortgage in the Kansas City, MO area.

First Bank of the Lake

Local SBA

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.

191 SBA loans
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Enterprise Bank & Trust

Local SBA

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.

63 SBA loans
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OakStar Bank

Local SBA

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.

35 SBA loans
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Midwest Regional Bank

Local SBA

FESTUS, MO

Missouri-based bank positioning itself as 'The SBA Experts.' Specializes in SBA 7(a) loans for business acquisitions, real estate, equipment, working capital, and franchise financing nationwide.

32 SBA loans
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Live Oak Banking Company

SBA

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.

628 SBA loans
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The Huntington National Bank

SBA

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.

1337 SBA loans
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Newtek Bank, National Association

SBA

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.

1039 SBA loans
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U.S. Bank, National Association

SBA

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.

846 SBA loans
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Celtic Bank Corporation

SBA

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.

442 SBA loans
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US Metro Bank

SBA

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.

85 SBA loans
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Readycap Lending, LLC

SBA

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.

563 SBA loans
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GBank

SBA

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.

54 SBA loans
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Wells Fargo Bank National Association

SBA

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.

220 SBA loans
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United Midwest Savings Bank National Association

SBA

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.

302 SBA loans
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Byline Bank

SBA

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.

107 SBA loans
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Kansas City Commercial Real Estate Market

Kansas City has emerged as a top-tier Midwest CRE market with strong fundamentals across office, industrial, and multifamily sectors. The Country Club Plaza and downtown Power & Light District serve as primary retail and entertainment anchors, while the Crossroads Arts District has become a magnet for creative office and adaptive-reuse investment. The metro's industrial market is among the fastest-growing in the nation, with massive speculative warehouse construction along the I-35 corridor in Edgerton and Gardner near the BNSF intermodal facility. The Animal Health Corridor stretching from Manhattan, Kansas, to Columbia, Missouri, is centered in Kansas City and houses over 300 animal health companies responsible for 56% of total worldwide animal health sales.

Key Economic Drivers

  • BNSF intermodal logistics hub in Edgerton driving massive industrial and distribution center development
  • Cerner (Oracle Health) campus in South Kansas City and the growing health-tech sector
  • Animal Health Corridor headquarters including Zoetis, Boehringer Ingelheim, and Hill's Pet Nutrition
  • Federal Reserve Bank of Kansas City and financial services firms in the downtown core

Market Insight

Kansas City's industrial market has been one of the nation's fastest-expanding, with over 30 million square feet of new warehouse and distribution space delivered since 2020, largely driven by the BNSF intermodal facility in Edgerton and the metro's central U.S. logistics advantages.

Commercial Mortgage in Kansas City, 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 the Kansas City metro area, borrowers can access 24 lenders offering Commercial Mortgage financing, including Independence, Lee's Summit, Liberty, and surrounding areas. Loan amounts typically range from $250K to $50M with rates from 6% - 8%.

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

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 in Other Missouri Cities

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