Best Saint Louis, MO SBA Lenders & Rates of 2026

Compare 42 SBA lenders in Saint Louis, MO. $73.7M funded across 130 businesses. Average rate 9.85%. Get matched free.

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Best Saint Louis, MO SBA Lenders & Rates of 2026

$73.7M
Total Funded

130
Loans Approved

$567K
Avg Loan Size

9.85%
Avg Interest Rate

42
Active Lenders

SBA Loans in Saint Louis, MO

Saint Louis, MO businesses received $73.7M in SBA 7(a) loan approvals across 130 businesses in 2025. With 42 active SBA lenders competing for business in Saint Louis, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Saint Louis is $567K, with rates averaging 9.85%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Saint Louis SBA Loans by Business Type

🚀 Startups
34%
$19.6M • 44 loans

🏢 Existing Businesses
55%
$24.6M • 71 loans

🔄 Acquisitions
12%
$29.5M • 15 loans

Top SBA Lenders in Saint Louis, MO (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Saint Louis businesses:

RankLenderVolumeLoansAvg Rate
1 Midwest Regional Bank$11.3M710.18%
2 U.S. Bank, National Association$6.1M2910.17%
3 Harvest Small Business Finance, LLC$5.9M39.58%
4 Financial Resources Federal Credit Union$4.5M19.25%
5 First Bank of the Lake$4.3M49.88%
6 American Bank of Freedom$3.8M39.33%
7 Bank of Springfield$3.7M27.70%
8 Celtic Bank Corporation$3.6M610.13%
9 The Bank of Houston$3.4M59.90%
10 North State Bank$3.2M110.00%
11 Bank of America, National Association$2.4M67.05%
12 Live Oak Banking Company$2.1M29.88%
13 Midwest BankCentre$1.8M210.13%
14 United Community Bank$1.5M38.75%
15 Enterprise Bank & Trust$1.4M27.36%
16 Wells Fargo Bank National Association$1.2M17.10%
17 Citizens Bank$1.1M310.08%
18 BayFirst National Bank$928K311.67%
19 St. Louis Bank$878K29.75%
20 Peoples National Bank National Association$805K28.25%
21 Bank of Franklin County$772K19.50%
22 First State Community Bank$760K17.40%
23 The Huntington National Bank$749K410.13%
24 Readycap Lending, LLC$713K312.75%
25 Heritage Community Bank$700K27.75%
26 Midland States Bank$600K28.88%
27 Northeast Bank$550K310.92%
28 St. Johns Bank and Trust Company$545K27.25%
29 CenTrust Bank, A Division of SmartBiz Bank National Associat$520K311.08%
30 Regions Bank$507K210.39%
31 Climate First Bank$500K110.25%
32 HOMEBANK$500K19.00%
33 Lendistry SBLC, LLC$450K212.00%
34 United Midwest Savings Bank National Association$380K310.08%
35 Justine Petersen Housing & Reinvestment Corporation$204K113.50%
36 CIBC Bank USA$200K19.50%
37 Commerce Bank$172K38.43%
38 CommunityAmerica Federal Credit Union$159K210.00%
39 First Command Bank$157K110.00%
40 Newtek Bank, National Association$145K313.50%
41 Cadence Bank$140K110.25%
42 Royal Banks of Missouri$106K18.50%

Top Industries in Saint Louis

Here are the industries that received the most SBA funding in Saint Louis:

SBA Loans in Missouri

Saint Louis is part of Missouri‘s SBA lending market. For statewide data and more lender options, see our full Missouri SBA Lenders guide.

🤝 Why Use an SBA Broker in Saint Louis?

GoSBA Loans helps Saint Louis businesses access the best SBA lenders:

  • Access 42+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Saint Louis
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Saint Louis SBA Loan

Our team has helped hundreds of Saint Louis businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in Saint Louis? GoSBA Loans is a trusted SBA loan broker serving businesses in Saint Louis and across Missouri. Contact our Saint Louis SBA specialists today for a free consultation.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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