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.
Commercial Mortgage Lenders Serving Kansas City
24 lenders offering commercial mortgage in the Kansas City, MO area.
First Bank of the Lake
Local SBAOsage 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.
Enterprise Bank & Trust
Local SBACLAYTON, 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.
OakStar Bank
Local SBASPRINGFIELD, 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.
Midwest Regional Bank
Local SBAFESTUS, 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.
Live Oak Banking Company
SBAWILMINGTON, 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
SBACOLUMBUS, 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
SBAMiami, 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
SBACincinnati, 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
SBASALT 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
SBAGARDEN 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
SBABERKELEY 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
SBALAS 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
SBASioux 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.
United Midwest Savings Bank National Association
SBADE 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
SBACHICAGO, 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.
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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