Small Business Loans in Missouri
Ready to find success and secure a small business loan? You're in the right place! Our in-house research team of finance experts has compiled this most comprehensive list of business loans for you to find the best option for you. Bad credit and startups acceptable when meeting specific qualifications.
10 Small Business Loans in Missouri
This compilation is a special investigation into small business lending in Missouri, grounded in factual data. The lenders are ranked according to the volume of small business loans they've distributed this year.
Simply put, this means we're spotlighting the banks and lenders that actually extend loans to small businesses within the state.
(This stands in stark contrast to other websites that focus on nonprofits with minimal lending activity or government programs that are challenging for many businesses to qualify for.)
Takeaway: Half the banks on this list are headquartered in Missouri, and the other half are regional and national banks.
Methodology: Our analysis draws from data concerning SBA 7a loans. Therefore, every lender on our list provides SBA loans. Additionally, we've included information about other types of small business loans that these lenders feature on their websites.
Regrettably, conventional banks often have stringent requirements, such as high credit scores and a minimum of two years in business operation.
Therefore, our list begins with two alternative financing choices specifically for small business owners who might be facing credit issues or are relatively new to the business world.
1. Credit Suite
Credit Suite specializes in business credit consulting and software services, along with providing two innovative non-traditional financing options.
Their Cash Flow Financing is ideal for business owners who have bad credit. This option allows you to use your business's cash flow to secure flexible financial support. Instead of fixed monthly payments, repayment is based on a portion of your regular cash flow.
Additionally, their Credit Line Hybrid focuses on funding based solely on personal credit strength, without the need for detailed financial statements, bank records, or business plans. Making it a great option for startups and established businesses, with available funding ranging from $5,000 to $150,000.
This makes it an excellent choice for businesses in the early stages, particularly those under two years old.
Business financing options offered:
- Credit Suite Cash Flow Financing
- Credit Suite Credit Line Hybrid
2. U.S. Bank
US Bank, a substantial national banking entity, offers a diverse array of business loans. With its extensive network of physical branches, it's a familiar presence in many towns and cities.
Notably, in Missouri, they lead in issuing SBA loans, more than any other financial provider in the state.
Business financing options offered:
US Bank Quick Loan
Business Term Loan
Commercial Real Estate Loan
Equipment Financing
SBA Loans
Dental, Medical, and Vet Practice Loans
Business Line of Credit
Manage Cash Flow
Business Equity Line of Credit
Business Reserve Line
4 Business Credit Cards
3. OakStar Bank
OakStar is a small bank in Missouri that does big business. They don't give any details about their business credit cards on their website, but they have a decent array of small business loans.
Business financing options offered:
SBA Loans
Agriculture Loans
Commercial Real Estate Lenders
Equipment Loans
Working Capital Lines of Credit
Business Credit Cards
4. The Central Trust Bank
Based in Missouri, The Central Trust Bank has 181 locations across six states. In addition to business financing, they offer a wide range of personal and business financial services.
Business financing options offered:
Equipment Loans
Line of Credit
Real Estate Loan
SBA Loan
Business Credit Cards
Commercial Lending
2 Credit Cards
5. BayFirst National Bank
BayFirst National primarily specializes in SBA loans. On their website, you'll find phrases like "Lightning Fast Business Loans!" and "In-house team, quick funding," highlighting their approach.
Their key strength lies in their internal underwriting team, ensuring both rapid processing and specialized expertise.
Given the typically prolonged process to fund SBA loans, this capability gives them a notable edge in the market.
Business financing options offered:
SBA Loans
Commercial Real Estate Loans
Commercial Term Loans
Commercial Lines of Credit
Construction Loans
Heavy Equipment Financing
6. The Huntington National Bank
Huntington National Bank stands out not just as a premier small business lender in this region, but also as the leading issuer of SBA 7a loans in the United States.
Consequently, they're ranked among the top 10 lenders in nearly every other state, reflecting their strong commitment to small business enterprises.
Apart from SBA loans, Huntington provides an extensive assortment of other small business financial solutions, such as equipment leasing, agricultural financing, and a variety of real estate loan options.
Business financing options offered:
SBA 7a Loans
Equipment Leasing
Church Lending
Greek House Financing
Agricultural Loans
Warehouse Lending
Real Estate Loans, Term Loans, and Lines of Credit
7. Regent Bank
Regent Bank only offers a few business financing options. Interestingly, they created several unique divisions to cater to the following industries and groups:
Healthcare
Cannabis
Non-Profit
Hispanic
Agricultural
Tech
Business financing options offered:
SBA 7a
SBA 504
USDA Loan Program
Lines of Credit
8. Commerce Bank
Commerce Bank offers many different business financing options, including several SBA loans that most banks don’t offer. Another unusual offering is their “acquisition financing” program.
Business financing options offered:
Small Business Administration (SBA) Loans - 7a, 504, Express, Export Working Capital Program
Acquisition Financing
Equipment Financing
Small Business Real Estate Loans
Small Business Lines of Credit
Small Business Term Loans
9. The Bank of Missouri
The aptly named Bank of Missouri boasts a wide variety of business loans, including agricultural loans.
Business financing options offered:
Business and Commercial Loans
Agricultural Loans
Commercial Real Estate
SBA Loans
Term Loans
Lines of Credit
BusinessManager®
10. Midwest Regional Bank
Midwest Regional Bank has 14 offices throughout Missouri and the US. They offer a wide variety of small business loans. Even better, they include quite a few details on their website about the terms of those loans and their loan applications are free for anyone to see.
Business financing options offered:
SBA 7a Loans
Commercial Real Estate Loans
Construction Loans
Commercial Term Loans
Equipment Loans
Bridge Loans
Acquisition Loans
Commercial Lines of Credit
USDA Loans
2 Business Credit Cards
How to apply for a small business loan in Missouri
Getting your small business funded doesn't have to be overwhelming, regardless of how many steps may be involved. Let the leading business guides at Credit Suite help you along the way!
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