Commerce Bank

This is a branch of Commerce Bank offering SBA loan programs and business financing solutions designed to support small and medium-sized businesses in the community.

It's recommended to schedule an appointment with a lending specialist, but walk-in consultations may be available during business hours.

Commerce Bank's Kansas City location at 804 E 12th St is open Monday through Thursday from 8:30 AM to 5 PM. Please confirm current hours, Friday availability, and appointment requirements with the lender.

There are no fees to visit or consult at the branch; fees apply only to specific loan processing and closing costs.

This branch serves local residents and businesses within the region, focusing on supporting community economic growth.

A minimum personal credit score of around 640 is typically required, though higher scores are preferred for better approval chances.

The process usually takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.

This Commerce Bank location is closed on weekends; Saturday and Sunday hours are not available. Please confirm with the lender.

Commerce Bank is located in Missouri — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Commerce Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Commerce Bank itself, which runs its own lending under its own ownership. If you work at Commerce Bank, you can claim this listing from this page to manage it.

The core details for Commerce Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Commerce Bank before applying. If you represent Commerce Bank, claim this listing to keep its information up to date.

You can reach Commerce Bank by phone at (816) 234-2250 or online at locations.commercebank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Commerce Bank before relying on them.

Based on its approved SBA loans, Commerce Bank most often finances businesses in construction & contractors, wholesale & distribution, transportation & trucking, medical practices & clinics, general retail, and manufacturing. This reflects Commerce Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Commerce Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Commerce Bank participates in SBA Express depends on its specific SBA lending authority. Contact Commerce Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Commerce Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Commerce Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Commerce Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Commerce Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Commerce Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Commerce Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Commerce Bank weighs this case by case under its own policy, so be upfront about your history and ask Commerce Bank how it evaluates prior bankruptcies.