SBA by industry · MO
SBA lenders for retail stores in Missouri
79 lenders made 250 SBA loans to retail stores in Missouri in the 36 months ending September 30, 2026. Oakstar Bank made the most, with 33. The typical loan was about $200K.
- Evidence
- SBA 7(a) and 504 loans to retail stores in Missouri, NAICS 44 and 45, excluding gas, convenience and pharmacy
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 79
- SBA FOIA,
- SBA loans, 36 months
- 250
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $125M
- SBA FOIA,
- Last 12 months
- 66
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for retail stores in Missouri, https://lender.report/sba-lenders-for/retail/missouri/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Oakstar Bank SBA 7(a) record | Bank | Springfield, MO | 33 | $20.7M | 32 | 1 | 8 |
| Omb Bank SBA 7(a) record | Bank | Springfield, MO | 13 | $4.95M | 13 | 0 | 2 |
| U.S. Bank National Association SBA 7(a) record | Bank | Cincinnati, OH | 13 | $1.51M | 13 | 0 | 3 |
| The Central Trust Bank SBA 7(a) record | Bank | Jefferson City, MO | 12 | $1.89M | 11 | 1 | 1 |
| United Midwest Savings Bank, National Association SBA 7(a) record | Bank | Degraff, OH | 10 | $1.35M | 10 | 0 | 6 |
| Regent Bank SBA 7(a) record | Bank | Tulsa, OK | 9 | $6.41M | 9 | 0 | 0 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 9 | $679K | 9 | 0 | 1 |
| Four States Bank SBA 7(a) record | Bank | Carthage, MO | 8 | $1.27M | 8 | 0 | 5 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 8 | $1.05M | 8 | 0 | 0 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 8 | $995K | 8 | 0 | 6 |
| Midwest BankCentre SBA 7(a) record | Bank | Lemay, MO | 7 | $6.73M | 4 | 3 | 3 |
| Commerce Bank SBA 7(a) record | Bank | Kansas City, MO | 6 | $6.97M | 6 | 0 | 1 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 6 | $599K | 6 | 0 | 3 |
| First Bank of the Lake SBA 7(a) record | Bank | Osage Beach, MO | 5 | $5.43M | 5 | 0 | 0 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 5 | $3.55M | 5 | 0 | 0 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 5 | $1.70M | 5 | 0 | 1 |
| Communityamerica Credit Union SBA 7(a) record | Credit union | Lenexa, KS | 4 | $8.50M | 4 | 0 | 2 |
| Southern Bank SBA 7(a) record | Bank | Poplar Bluff, MO | 4 | $442K | 4 | 0 | 1 |
| Byline Bank SBA 7(a) record | Bank | Chicago, IL | 3 | $3.03M | 3 | 0 | 0 |
| The Bank of Houston SBA 7(a) record | Bank | Houston, MO | 3 | $2.49M | 3 | 0 | 1 |
| The Bank of Missouri SBA 7(a) record | Bank | Perryville, MO | 3 | $1.80M | 2 | 1 | 0 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 3 | $1.75M | 3 | 0 | 2 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 3 | $1.18M | 3 | 0 | 0 |
| Arvest Bank SBA 7(a) record | Bank | Fayetteville, AR | 3 | $1.08M | 3 | 0 | 2 |
| Branson Bank SBA 7(a) record | Bank | Branson, MO | 3 | $770K | 3 | 0 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Sporting Goods Retailers | 18 |
| Beer, Wine, and Liquor Retailers | 16 |
| Vending Machine Operators | 14 |
| All Other General Merchandise Retailers | 13 |
| All Other Miscellaneous Retailers | 13 |
| Clothing and Clothing Accessories Retailers | 13 |
| Hardware Retailers | 10 |
| Used Car Dealers | 10 |
| Furniture Retailers | 9 |
| Gift, Novelty, and Souvenir Retailers | 9 |
| Loan size | Loans |
|---|---|
| Under $150K | 89 |
| $150K to $350K | 73 |
| $350K to $1M | 55 |
| $1M to $2.5M | 27 |
| $2.5M or more | 11 |
- SBA lenders recorded 250 loans to retail stores totaling $124.9M in Missouri in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $200K, with the middle half between $100K and $620K. SBA FOIA,
- 240 were SBA 7(a) loans and 15 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.00% on 240 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 234 of the loans, credit unions 7, and non-banks 12. SBA FOIA,
- The five most active lenders made 32.4% of the loans. SBA FOIA,
- The three most active lenders were Oakstar Bank with 33, Omb Bank with 13, and U.S. Bank National Association with 13. SBA FOIA,
- 89 of the loans were under $150K, and 38 were $1M or more. SBA FOIA,
- The SBA file shows 66 approvals of these loans dated in the 12 months to September 30, 2026, versus 100 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 37 of the 79 lenders are based in Missouri. The rest are based elsewhere, most often in Illinois, Kansas and Ohio. SBA FOIA,
- The most common detailed industry in Missouri was Sporting Goods Retailers, with 18 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to retail stores in Missouri
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Missouri, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 44 and 45, excluding gas, convenience and pharmacy.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.