Business Loans and Lines of Credit

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

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

Business name, address and tax ID
A mobile phone number that we will text to verify your identity
Date the business was established or the business acquisition date of current ownership
The Social Security number, address and date of birth of all business owners
Where applicable, specific information about the collateral you intend to finance (equipment, vehicle or real estate)
Nature of business (industry and/or NAICS code)
Financial details, including gross annual sales, net profit, total business assets, and total business liabilities
List of outstanding obligations, if any (list should include lender, current loan balance or credit limit, and monthly payment)
Business documentation such as filing documents, organizing documents, operating agreement, partnership agreement, bylaws

Read more for a complete list of what you’ll need to apply.


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.

    Business Insights

    • SBA loan

      A guide to SBA loans and resources

      Small businesses accounted for 67.2% of new jobs between 1995 and 2021 ‡, demonstrating their sustained importance to local and national economies. Because of the beneficial impact small businesses have on their communities – through services provided, job creation and...

      Read Now
    • Small Business Loan

      Small business lending: A guide to applying for a loan

      The truth about bankers is that we love nothing more than helping people turn their dreams into reality. We entered this line of work to help others reach their financial goals and find their individual path to success. For many...

      Read Now
    • Personalization dedicated banker

      The power of personalization when you go ‘all in’ with one business bank provider

      Just like individuals, it’s not uncommon for businesses to have different financial institutions that work with them on lending, depository services and treasury management (such as payables and receivables). However, over time, managing disjointed banking relationships, account types and points...

      Read Now
    • Five reasons business banker

      Five reasons to connect with your business banker (and how to prepare)

      Key takeaways Business bankers help their clients manage finances, set and achieve goals, and plan for their businesses’ futures. Certain situations can call for a business banker’s expertise, such as general financial health checkups, business expansion planning, fraud prevention, market...

      Read Now
    • small business credit

      How business credit cards work for you: Rewards, expense management, and more

      Key takeaways Business credit cards add value, from more spending power and quick access to funds, to rebates and rewards. The “float” period between credit card purchase and paying the statement balance can provide fund access flexibility. Tap into benefits...

      Read Now

    Loan Repayment Calculator

    Use this calculator to determine how much longer you will need to make these regular payments to pay off your loan.


    Equipment 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.


    Free 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.

    Learn more

    Obtaining Financing and Funding for Your Small Business

    Learn how to find the right financing and funding sources for your small business.

    Learn more

    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.

    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.