The Bank of Missouri
The Bank of Missouri is an active SBA lender in Missouri, a bank offering SBA-guaranteed small-business loans. Currently rated 3.9 stars across 53 Google reviews.
About The Bank of Missouri
The Bank of Missouri appears in the U.S. SBA 7(a) and 504 FOIA loan-approval records. Contact the bank directly for current programs and terms.
Serves SBA borrowers in 5 states
The Bank of Missouri has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries The Bank of Missouri finances
Business types The Bank of Missouri actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about The Bank of Missouri
What is this place and what can I find here?
This is a local bank offering SBA loan programs and business financing solutions to help small and medium-sized businesses grow and succeed in the Perryville area.
Do I need an appointment or can I walk in?
Ask The Bank of Missouri directly — some branches take walk-ins, others book SBA conversations by appointment.
What are the hours of operation?
Hours vary by branch and change. Check The Bank of Missouri's website or call before you visit.
Is there a fee to use this?
Browsing this directory is free. Any loan fees are set by The Bank of Missouri and the SBA program — ask the lender for its current schedule.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and businesses within the Perryville region, but qualified applicants from outside the area may also be considered.
What minimum personal credit score does this bank look for in a guarantor?
Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask The Bank of Missouri what it looks for today.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.
Is this open on weekends?
Most bank SBA teams work weekdays; confirm with The Bank of Missouri before planning a weekend visit.
How do I get there and where do I park?
The Bank of Missouri 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.
Who owns or operates this listing?
This page is an independent directory listing for The Bank of Missouri, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Bank of Missouri itself, which runs its own lending under its own ownership. If you work at The Bank of Missouri, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for The Bank of Missouri — 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 The Bank of Missouri before applying. If you represent The Bank of Missouri, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach The Bank of Missouri by phone at (573) 547-6541 or online at www.bankofmissouri.com/locations/north-kingshighway-perryville-mo — the same details are in the contact card on this page.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, The Bank of Missouri most often finances businesses in restaurants & food service, general retail, construction & contractors, medical practices & clinics, manufacturing, and wholesale & distribution. This reflects The Bank of Missouri'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 The Bank of Missouri which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether The Bank of Missouri participates in SBA Express depends on its specific SBA lending authority. Contact The Bank of Missouri and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
Whether The Bank of Missouri has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.
Are start-up companies eligible for financing at this traditional institution?
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. The Bank of Missouri's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Bank of Missouri directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 The Bank of Missouri what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 The Bank of Missouri to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 The Bank of Missouri to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. The Bank of Missouri weighs this case by case under its own policy, so be upfront about your history and ask The Bank of Missouri how it evaluates prior bankruptcies.
