UMB Bank, National Association

This is a financial institution offering SBA loan programs to support small business growth. You can find information about loan options, application processes, and assistance for your business needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

UMB Bank's Walnut Lobby branch operates Monday through Friday from 9:00 AM to 5:00 PM. Please confirm these hours with the branch directly.

There are no fees to access basic information, but loan processing and application fees may apply depending on the loan type.

This lender primarily serves small businesses across the nation, regardless of residency, provided they meet the loan criteria.

A minimum personal credit score of 620 is generally required to qualify for SBA loans.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.

No, this UMB Bank location is closed on weekends. The branch does not operate on Saturdays or Sundays. Please confirm with the branch if their SBA lending team has alternative weekend contact options.

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

The core details for UMB Bank, National Association — 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 UMB Bank, National Association before applying. If you represent UMB Bank, National Association, claim this listing to keep its information up to date.

You can reach UMB Bank, National Association by phone at (816) 860-7930 or online at locations.umb.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 UMB Bank, National Association before relying on them.

Based on its approved SBA loans, UMB Bank, National Association most often finances businesses in manufacturing, restaurants & food service, construction & contractors, general retail, medical practices & clinics, and wholesale & distribution. This reflects UMB Bank, National Association'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 UMB Bank, National Association 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 UMB Bank, National Association participates in SBA Express depends on its specific SBA lending authority. Contact UMB Bank, National Association 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. UMB Bank, National Association 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. UMB Bank, National Association's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask UMB Bank, National Association 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 UMB Bank, National Association 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 UMB Bank, National Association 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 UMB Bank, National Association 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. UMB Bank, National Association weighs this case by case under its own policy, so be upfront about your history and ask UMB Bank, National Association how it evaluates prior bankruptcies.