Business Loans and Lines of Credit

Find the 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.


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.


Responsive service

Your dedicated banker will work hard to understand your business and situation so that you can make informed, confident financial decisions.


Strategic insight

We've helped businesses grow for over 100 years because of our personal commitment to providing strategic financial advice.


Additional ways to fund your business

We’re here to help you find the right financing for your business with quick loan processing and flexible terms. 

Commercial real estate

Real estate loans can be used for the construction, purchase, or refinance of business properties. 

  • Receive funds as a one-time lump sum 
  • Fixed payments over the life of the loan 
  • Minimum of 2 years in business 
  • Terms between 1 – 7 years, amortizations of up to 25 years
  • Minimum loan amount of $10,000
Learn more

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.


Frequently asked questions

    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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    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.