SBA 7(a) Loans in Springfield, MO
Find lenders offering sba 7(a) loans in the Springfield, including Nixa, Ozark, Republic, and surrounding areas. Compare rates, terms, and programs from 74 lenders.
Which SBA 7(a) lenders serve Springfield?
74 lenders offering sba 7(a) loans in the Springfield, 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.
UMB Bank, National Association
Local SBAKANSAS CITY, MO
Four States Bank, Inc.
Local SBACarthage, MO
The Bank of Houston
Local SBAHOUSTON, MO
Together CU
Local SBASAINT LOUIS, MO
Arlo Bank
Local SBASpringfield, MO
OMB Bank
Local SBASPRINGFIELD, MO
American Bank of Freedom
Local SBAWellsville, MO
Midwest BankCentre
Local SBASAINT LOUIS, MO
Royal Banks of Missouri
Local SBAUniversity City, MO
Branson Bank
Local SBABranson, MO
Southern Bank
Local SBAPOPLAR BLUFF, MO
What does the Springfield commercial real estate market look like?
Springfield is the commercial capital of southwest Missouri's Ozarks region, with a CRE market driven by healthcare, higher education, and regional retail. The city serves as headquarters to several national companies including Bass Pro Shops, O'Reilly Auto Parts, and Great Southern Bank, providing a uniquely diverse employment base for its size. The Commercial Street Historic District and downtown Boonville Avenue corridor have seen revival through adaptive-reuse and small-scale mixed-use projects. Medical office demand is anchored by CoxHealth and Mercy Hospital Springfield, the region's two major health systems, with medical corridor development concentrated along National Avenue and Sunshine Street.
Key Economic Drivers
- ●Bass Pro Shops / Cabela's global headquarters and related outdoor recreation industry
- ●CoxHealth and Mercy Hospital Springfield driving medical office and healthcare facility demand
- ●Missouri State University and Drury University generating student housing and retail demand
- ●O'Reilly Auto Parts and Great Southern Bancorp corporate headquarters operations
Market Insight
Springfield's position as Bass Pro Shops' global headquarters city means the outdoor recreation and tourism sector has an outsized impact on local CRE, with Wonders of Wildlife National Museum and Aquarium drawing over 1.5 million annual visitors and supporting adjacent hospitality development.
How do sba 7(a) loans work in Springfield, Missouri?
SBA 7(a) loans are the most common SBA loan program, offering up to $5 million for working capital, equipment, real estate, business acquisition, and refinancing. Backed by the U.S. Small Business Administration, they offer competitive rates and longer terms than conventional business loans. In the Springfield metro area, borrowers can access 74 lenders offering SBA 7(a) financing, including Nixa, Ozark, Republic, and surrounding areas. Loan amounts typically range from $25K to $5M with rates from Prime + 1.5% to 3.75%.
Who should consider sba 7(a) loans?
- Small business owners
- Business acquisitions
- Working capital needs
- Commercial real estate purchase
What are the key requirements?
- For-profit business operating in the US
- Owner has invested equity
- Exhausted other financing options
- No delinquent government debt
- Credit score: 680+
Advantages
- ✓Low down payment (as low as 10%)
- ✓Competitive interest rates
- ✓Long repayment terms
- ✓Can be used for many purposes
Considerations
- •Lengthy application process
- •Extensive documentation required
- •Personal guarantee required
- •Collateral often needed
SBA 7(a) Loans in Springfield FAQ
How many SBA 7(a) lenders serve Springfield, MO? ▼
What are SBA 7(a) loan rates in Springfield? ▼
How long does an SBA 7(a) loan take to close? ▼
Can I use an SBA 7(a) for real estate? ▼
What's the difference between SBA 7(a) and 504? ▼
Where else can I find sba 7(a) loans in Missouri?
Guides & resources
Find SBA 7(a) Lenders in Springfield
Get matched with lenders offering sba 7(a) loans in the Springfield, MO area. Free for borrowers.
Get Matched — Free →