SBA 504 Loans in Kansas City, MO
Find lenders offering sba 504 loans in the Kansas City, including Independence, Lee's Summit, Liberty, and surrounding areas. Compare rates, terms, and programs from 14 lenders.
SBA 504 Lenders Serving Kansas City
14 lenders offering sba 504 loans in the Kansas City, MO area.
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.
Rural Missouri, Inc.
Local SBAJefferson City, MO
St. Charles County Economic Development Council
Local SBASt. Charles, MO
St. Louis Local Development Company
Local SBASt. Louis, MO
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.
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.
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.
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.
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.
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.
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.
Wells Fargo
San Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
Heartland Business Capital, Inc.
SBAOverland Park, KS
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.
SBA 504 Loans in Kansas City, Missouri
SBA 504 loans provide long-term, fixed-rate financing for major fixed assets like commercial real estate and heavy equipment. The loan is split between a bank (50%), a Certified Development Company (40%), and your down payment (10%), resulting in below-market rates on the CDC portion. In the Kansas City metro area, borrowers can access 14 lenders offering SBA 504 financing, including Independence, Lee's Summit, Liberty, and surrounding areas. Loan amounts typically range from $125K to $17M with rates from Below market (CDC portion ~5-6%).
Who Should Consider SBA 504 Loans?
- Owner-occupied commercial real estate
- Heavy equipment purchase
- Business expansion
- New construction
Key Requirements
- For-profit business
- Net worth under $15M
- Average net income under $5M (after taxes) for prior 2 years
- 51%+ owner occupancy
- Create or retain jobs (1 per $90,000 CDC)
Advantages
- ✓Only 10% down payment
- ✓Below-market fixed rate on CDC portion
- ✓Long terms (20-25 years for RE)
- ✓No balloon payments
Considerations
- •Must be owner-occupied (51%+ for existing, 60%+ for new construction)
- •Cannot be used for working capital
- •Longer closing timeline
- •Two closings (bank + CDC)
SBA 504 Loans in Other Missouri Cities
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