Business Loans and Lines of Credit
Predictable payments
Term Loan
A term loan can help you closely manage your monthly expenses by having a predictable loan payment. This type of financing is structured to match the life of the collateral or asset purchases.
Receive funds as a one-time lump sum
Fixed payments over the life of the loan
Minimum of 2 years in busines
Terms between 1 – 7 years
Minimum loan amount of $10,000
Flexible options
Line of Credit
Fund short-term business expenses quickly and easily. This flexible option allows you to borrow, repay and re-borrow the amount you need, when you need it.
Only use when you need funds
Interest only monthly payments, based on your outstanding balance
Minimum of 2 years in business
Terms between 1 – 7 years
Minimum loan amount of $10,000
Opportunity for growth
Commercial Real Estate Loan
You can leverage real estate loans for the construction, purchase or refinance of business properties.
Borrow funds as a one-time lump sum
Fixed payments over the life of the loan
Minimum of 2 years in business
Terms between 1 – 5 years, amortizations of up to 25 years
Minimum loan amount of $10,000
Choose financing that works for you
As the market changes, or business opportunities surface, your business lending needs will shift. We can help you find the solution that works for you today, tomorrow, and beyond.
Responsive service
Your dedicated banker will work hard to understand your business and situation so that you can make informed, confident financial decisions.
Custom solutions
Every business is different, which is why we take the time to listen, discuss your goals and provide flexible solutions to help your business thrive.
Strategic insight
We've helped businesses grow for over 100 years because of our personal commitment to providing strategic financial advice.
How to apply for business financing
Apply online
Online applications are available for term loans, lines of credit and commercial real estate loans.
Schedule an appointment with a Small Business Specialist
Call: 844.958.1299
Email: smallbusiness@umb.com
Work with a small business specialist to apply for a credit card, overdraft line of credit, as well as term loans, lines of credit or real estate loans.
Things to keep in mind
- Typically, we require guarantors to have a FICO® score of at least 680 and at minimum two years in business except for SBA loans and credit card applications.
- All loan applicants are required to be located within the UMB branch network. Find a UMB near you.
More opportunities to fund your business
We’re here to help you find the right financing for your business with quick loan processing and flexible terms.
SBA Loans
There are a multitude of reasons you may consider an SBA loan for your business. These are a great tool to help business owners to obtain financing that may not qualify for conventional commercial loans.
Business Overdraft Protection
Business Overdraft Protection links your UMB business checking account with a business line of credit. If an overdraft occurs on your business checking account, we will automatically transfer funds from your Overdraft Protection line of credit up to your available credit limit.
Small Business Rewards Credit Card
This card is perfect for travel benefits and flexible rewards. A business credit card designed for small to mid-sized organizations, with flexible rewards, employee management and in-depth reporting.
Ready to apply online? Be prepared with essential business information
Read more for a complete list of what you’ll need to apply.
FAQ
Frequently asked questions
Yes, you can apply online or connect with one of our Small Business Specialists if you want guidance on the best solution for you.
No, we do not require you to have a current account to apply online.
UMB is an SBA Preferred Lender. Learn more about SBA loans.
In most cases UMB requires two years of business for financing, however, we are here to support you. Connect with a banker to discuss further.
You will only pay interest on the amount you use.
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Loan Repayment Calculator
Use this calculator to determine how much longer you will need to make these regular payments to pay off your loan.
CalculateEquipment Purchase Calculator
Use this calculator to analyze the financial impact of up-front fees, interest rates and residual value on the lease versus buy decision.
CalculateFree Small Business Education
UMB has created a series of online small business tutorials to help your business succeed. Choose a credit-related topic below or explore them all.
How Businesses Use Credit
Learn how to use credit and other types of credit available to help you be an informed borrower.
Obtaining Financing and Funding for Your Small Business
Learn how to find the right financing and funding sources for your small business.
Connect with a Small Business Specialist
Do you want to discuss your financing options before starting an application? One of our specialized bankers would be happy to help.
Other Products and Services
Please note that our loans may require your payments to be auto-debited from a UMB business checking account. Once your financing application is approved we can help you open a business checking account during the closing process.