Commercial Lenders in Missouri
Browse 159 lenders serving Missouri across DSCR, SBA, bridge, construction, hard money, and more.
Missouri Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
9% - 12%+ · 10-25%+ cash in downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
6.75% - 11.97% · Often 10-25% sponsor equity downUSDA Business Loans
Fixed or variable, negotiated with lender · 10% existing business, 20% new business downNon-QM Loans
6.5% - 10% · 10-25% downAll Missouri Lenders
159 commercial lenders serving Missouri.
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.
Harvest Small Business Finance, LLC
SBALaguna Hills, CA
Non-bank SBA preferred lender specializing in SBA 7(a) loans for commercial real estate acquisition and refinancing. Focuses on owner-occupied commercial properties with loans up to $5 million.
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.
First Bank of the Lake
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.
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.
Pathward National Association
SBASIOUX 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
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.
JPMorgan Chase Bank, National Association
SBAColumbus, 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
SBAELIZABETHTON, 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.
CenTrust Bank, A Division of SmartBiz Bank National Associat
SBANorthbrook, IL
Technology-driven SBA lender operating through the SmartBiz platform. Offers streamlined SBA 7(a) loans with a fast online application process, serving small businesses nationwide with loans for working capital, debt refinancing, and commercial real estate.
Small Business Growth Corporation
SBASpringfield, IL
Illinois-based Certified Development Company (CDC) specializing in SBA 504 loans. Helps small businesses acquire commercial real estate and major equipment with long-term, below-market fixed-rate financing.
Lendistry SBLC, LLC
SBALos 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
SBANEW 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.
Stone Bank
SBAMOUNTAIN VIEW, AR
Arkansas-based bank specializing in government-guaranteed lending including SBA, FSA, and USDA business loans. Offers nationwide lending with expertise in SBA 7(a) financing for small business acquisitions and real estate.
Truliant FCU
SBAWinston-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
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.
Regions Bank
SBABIRMINGHAM, AL
Birmingham, Alabama-based regional bank offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, and business lines of credit. Major lender across 15 southern and midwestern states.
Midwest Regional Bank
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.
Busey Bank
SBACHAMPAIGN, IL
Champaign, Illinois-based regional bank offering SBA 7(a) loans, commercial real estate, equipment financing, and business banking. Serves communities across Illinois, Indiana, Missouri, and Florida.
Bank Five Nine
SBAOCONOMOWOC, WI
Oconomowoc, Wisconsin-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. A trusted lender serving businesses throughout southeastern Wisconsin.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Acore Capital
New York, NY
Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.
Complete Missouri Lender Directory
All 159 commercial lenders serving Missouri, A–Z.
- Acra Lending
- Aloha Capital
- American Bank of Freedom — Wellsville, MO
- Anchor Loans — Thousand Oaks, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arbor Realty Trust — Uniondale, NY
- Arc Home
- Arlo Bank — Springfield, MO
- Arvest Bank — FAYETTEVILLE, AR
- Athas Capital Group
- Bank of America — Charlotte, NC
- Bank of Washington — WASHINGTON, MO
- Barclays — New York, NY
- Belgrade State Bank — BELGRADE, MO
- Berkadia — Ambler, PA
- Branson Bank — Branson, MO
- Broadmark Realty Capital — Seattle, WA
- Carrington Mortgage Services — Anaheim, CA
- CBRE Capital Markets — Dallas, TX
- Change Lending
- Citigroup — New York, NY
- Civic Financial Services — Redondo Beach, CA
- Commerce Bank — Kansas City, MO
- Commercial Bank — MARYLAND HEIGHTS, MO
- Community National Bank & Trust — Chanute, KS
- Constitution Lending
- CoreVest Finance — Irvine, CA
- CrossCountry Mortgage — Cleveland, OH
- Cushman & Wakefield — Chicago, IL
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Deutsche Bank — New York, NY
- Easy Street Capital — Austin, TX
- Emprise Bank — WICHITA, KS
- Encore Bank — LITTLE ROCK, AR
- Equity Bank — ANDOVER, KS
- Falcon National Bank — FOLEY, MN
- FCNB Bank — STEELVILLE, MO
- Finance of America — Plano, TX
- Financial Resources Federal Credit Union — Branchburg, NJ
- First Financial Bank — Cincinnati, OH
- First National Bank of America — East Lansing, MI
- First Service Bank — Greenbrier, AR
- Flagstar Bank — Hicksville, NY
- FNBC Bank — ASH FLAT, AR
- Four States Bank, Inc. — Carthage, MO
- Goldman Sachs — New York, NY
- Greystone — New York, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Guaranty Bank — SPRINGFIELD, MO
- Hawthorn Bank — JEFFERSON CITY, MO
- Heartland Business Capital, Inc. — Overland Park, KS
- Heritage Bank of the Ozarks — LEBANON, MO
- HomePride Bank — MANSFIELD, MO
- HomeXpress Mortgage
- iBorrow
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- Kendall Bank — OVERLAND PARK, KS
- KeyBank Real Estate Capital — Cleveland, OH
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Lending One — Boca Raton, FL
- LendingClub Bank, National Association — LEHI, UT
- Lima One Capital — Greenville, SC
- LoanCore Capital — Hartford, CT
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Merchants Capital — Indianapolis, IN
- Mesa West Capital — Los Angeles, CA
- Midland States Bank — EFFINGHAM, IL
- Midwest BankCentre — SAINT LOUIS, MO
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- New American Funding — Tustin, CA
- New Silver Lending
- Newfi Wholesale — Emeryville, CA
- Newmark — New York, NY
- North American Savings Bank — Kansas City, MO
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- O'Bannon Banking Company — BUFFALO, MO
- Oaktree Funding
- OMB Bank — SPRINGFIELD, MO
- Park Place Finance
- Peoples Bank — BELLINGHAM, WA
- Planet Home Lending — Meriden, CT
- PNC Real Estate — Pittsburgh, PA
- Quontic Bank — New York, NY
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Regent Bank — TULSA, OK
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Royal Banks of Missouri — University City, MO
- Rural Missouri, Inc. — Jefferson City, MO
- Sabal Capital Partners — Pasadena, CA
- Southern Bank — POPLAR BLUFF, MO
- Sprout Mortgage — New York, NY
- St. Charles County Economic Development Council — St. Charles, MO
- St. Johns Bank and Trust Company — SAINT LOUIS, MO
- St. Louis Local Development Company — St. Louis, MO
- Stbridge Capital — Los Angeles, CA
- Sullivan Bank — SULLIVAN, MO
- TD Bank — Cherry Hill, NJ
- Temple View Capital
- The Bank of Houston — HOUSTON, MO
- The Bank of Missouri — PERRYVILLE, MO
- The Callaway Bank — FULTON, MO
- The Central Trust Bank — JEFFERSON CITY, MO
- Tidal Loans — Houston, TX
- Together CU — SAINT LOUIS, MO
- Triad Financial Services — Jacksonville, FL
- Truss Financial Group
- UMB Bank, National Association — KANSAS CITY, MO
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- Walker & Dunlop — Bethesda, MD
- Wells Fargo — San Francisco, CA
Commercial Lending in Missouri
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.
Key Industries
Foreclosure Type
Non-judicial
Foreclosures proceed outside the court system, typically faster (2-6 months).