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.
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.
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.
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.
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.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
Rural Missouri, Inc.
SBAJefferson City, MO
UMB Bank, National Association
SBAKANSAS CITY, MO
Four States Bank, Inc.
SBACarthage, MO
The Bank of Houston
SBAHOUSTON, MO
Together CU
SBASAINT LOUIS, MO
Arlo Bank
SBASpringfield, MO
OMB Bank
SBASPRINGFIELD, MO
American Bank of Freedom
SBAWellsville, MO
Midwest BankCentre
SBASAINT LOUIS, MO
Royal Banks of Missouri
SBAUniversity City, MO
Branson Bank
SBABranson, MO
Southern Bank
SBAPOPLAR BLUFF, MO
Commerce Bank
SBAKansas City, MO
Guaranty Bank
SBASPRINGFIELD, MO
The Central Trust Bank
SBAJEFFERSON CITY, MO
The Bank of Missouri
SBAPERRYVILLE, MO
Bank of Washington
SBAWASHINGTON, MO
HomePride Bank
SBAMANSFIELD, MO
Heritage Bank of the Ozarks
SBALEBANON, MO
Belgrade State Bank
SBABELGRADE, MO
St. Johns Bank and Trust Company
SBASAINT LOUIS, MO
Sullivan Bank
SBASULLIVAN, MO
The Callaway Bank
SBAFULTON, MO
O'Bannon Banking Company
SBABUFFALO, MO
St. Charles County Economic Development Council
SBASt. Charles, MO
Complete Missouri Lender Directory
All 159 commercial lenders serving Missouri, A–Z.
- A&D Mortgage — Fort Lauderdale, FL
- Acore Capital — New York, NY
- Acra Lending
- Aloha Capital
- Anchor Loans — Thousand Oaks, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arbor Realty Trust — Uniondale, NY
- Arc Home
- Arvest Bank — FAYETTEVILLE, AR
- Athas Capital Group
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Barclays — New York, NY
- Berkadia — Ambler, PA
- Broadmark Realty Capital — Seattle, WA
- Busey Bank — CHAMPAIGN, IL
- Byline Bank — CHICAGO, IL
- Carrington Mortgage Services — Anaheim, CA
- CBRE Capital Markets — Dallas, TX
- Celtic Bank Corporation — SALT LAKE CITY, UT
- CenTrust Bank, A Division of SmartBiz Bank National Associat — Northbrook, IL
- Change Lending
- Citigroup — New York, NY
- Citizens Bank — ELIZABETHTON, TN
- Civic Financial Services — Redondo Beach, CA
- 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
- GBank — LAS VEGAS, NV
- Goldman Sachs — New York, NY
- Greystone — New York, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Gulf Coast Bank and Trust Company — NEW ORLEANS, LA
- Harvest Small Business Finance, LLC — Laguna Hills, CA
- Hawthorn Bank — JEFFERSON CITY, MO
- Heartland Business Capital, Inc. — Overland Park, KS
- HomeXpress Mortgage
- iBorrow
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- JPMorgan Chase Bank, National Association — Columbus, OH
- 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
- Lendistry SBLC, LLC — Los Angeles, CA
- Lima One Capital — Greenville, SC
- Live Oak Banking Company — WILMINGTON, NC
- 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
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- New American Funding — Tustin, CA
- New Silver Lending
- Newfi Wholesale — Emeryville, CA
- Newmark — New York, NY
- Newtek Bank, National Association — Miami, FL
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- Oaktree Funding
- Park Place Finance
- Pathward National Association — SIOUX FALLS, SD
- 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
- Readycap Lending, LLC — BERKELEY HEIGHTS, NJ
- Regent Bank — TULSA, OK
- Regions Bank — BIRMINGHAM, AL
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Sabal Capital Partners — Pasadena, CA
- Small Business Growth Corporation — Springfield, IL
- Sprout Mortgage — New York, NY
- St. Louis Local Development Company — St. Louis, MO
- Stbridge Capital — Los Angeles, CA
- Stone Bank — MOUNTAIN VIEW, AR
- TD Bank — Cherry Hill, NJ
- Temple View Capital
- The Huntington National Bank — COLUMBUS, OH
- Tidal Loans — Houston, TX
- Triad Financial Services — Jacksonville, FL
- Truliant FCU — Winston-Salem, NC
- Truss Financial Group
- U.S. Bank, National Association — Cincinnati, OH
- United Midwest Savings Bank National Association — DE GRAFF, OH
- US Bank — Minneapolis, MN
- US Metro Bank — GARDEN GROVE, CA
- 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
- Wells Fargo Bank National Association — Sioux Falls, SD
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).