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Missouri Loan Funds

Special Missouri Loan Funds

In addition to commercial loans available through local banks, there are a number of loan programs in Missouri that support special needs. Click on individual program descriptions below or check out the summary of Missouri loan programs.

Missouri Savings Fund

Missourians Building Assets, a program of Missouri’s Community Action Network, encourages families to establish good savings habits, gain stability and break the cycle of poverty. The program helps qualified working individuals set up savings accounts to reach specific goals: purchasing a home, enrolling in advanced education, or starting a business.  

U.S. Small Business Administration

U.S. Small Business Administration

The Small Business Administration has several loan programs which make it easier for banks to provide loans to small business, but the federal agency loans no money directly.  The SBA instead guarantees 75 percent of individual loans made by private lenders, up to $750,000, but a business must first show that it cannot obtain conventional financing at reasonable terms.  Because of this guarantee, fees associated with SBA loans make the loans more expensive than a non-SBA backed commercial loan.  SBA loans are therefore ideal for businesses that might be considered too high of a risk for traditional business loans.  Business owners must personally guarantee SBA loans and must also show cash flows sufficient to repay the loan.  Ask your commercial banker about SBA loans. 


Provides short-term loans of up to $35,000 to small businesses and nonprofit child-care centers for working capital or the purchase of inventory, supplies, furniture, fixtures, machinery and/or equipment. Proceeds cannot be used to pay existing debts or to purchase real estate.

504 Loans

Long term, fixed-rate financing to enable businesses to acquire real estate or machinery or equipment for expansion or modernization.

7(a) Loan Guaranty

Loan proceeds can be used for most sound business purposes including working capital, machinery and equipment, furniture and fixtures, land and building (including purchase, renovation and new construction), leasehold improvements, and debt refinancing (under special conditions). Loan maturity is up to 10 years for working capital and generally up to 25 years for fixed assets.

MOSourceLink Tip

Most commercial banks offer information about SBA loans.

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Find what information lenders look for in loan applications.