SBA 7(a) Loans in St. Louis, MO
Find lenders offering sba 7(a) loans in the St. Louis, including Clayton, Chesterfield, Florissant, and surrounding areas. Compare rates, terms, and programs from 74 lenders.
Which SBA 7(a) lenders serve St. Louis?
74 lenders offering sba 7(a) loans in the St. Louis, 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 St. Louis commercial real estate market look like?
St. Louis offers a deep and affordable CRE market with a diversified economic base spanning healthcare, financial services, and agribusiness. The Central Corridor along Olive Boulevard and Market Street connects the downtown CBD through Midtown to the thriving Central West End neighborhood, which has become the metro's premier mixed-use submarket adjacent to Barnes-Jewish Hospital and Washington University's medical campus. The Cortex Innovation Community, a 200-acre innovation district in Midtown, has attracted over $700 million in development including lab, tech office, and coworking space. Industrial demand is strong along the I-70 corridor and in the Metro East Illinois suburbs, supported by the region's inland port and extensive rail network.
Key Economic Drivers
- ●Washington University and BJC HealthCare medical campus, the metro's largest employer
- ●Cortex Innovation Community attracting biotech and tech tenants to a 200-acre Midtown district
- ●Anheuser-Busch, Monsanto (Bayer), Emerson Electric, and Edward Jones corporate operations
- ●Inland port and rail hub operations driving industrial demand along the Mississippi River corridor
Market Insight
Missouri's Historic Preservation Tax Credit program, offering a 25% state credit stacked with the 20% federal credit, has made St. Louis one of the top U.S. markets for historic rehabilitation — the city has more designated historic buildings than almost any other American city.
How do sba 7(a) loans work in St. Louis, 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 St. Louis metro area, borrowers can access 74 lenders offering SBA 7(a) financing, including Clayton, Chesterfield, Florissant, 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 St. Louis FAQ
How many SBA 7(a) lenders serve St. Louis, MO? ▼
What are SBA 7(a) loan rates in St. Louis? ▼
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?
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