Commercial Real Estate Loans

Flexible and nimble commercial real estate financing

Commercial real estate is a big deal. Whether you’re an experienced developer or a business owner investing in your own building, you need a financial partner you can depend on to follow through, follow up and help you follow your plans.

Commercial Real Estate Loans

Flexible and nimble commercial real estate financing

Commercial real estate is a big deal. Whether you’re an experienced developer or a business owner investing in your own building, you need a financial partner you can depend on to follow through, follow up and help you follow your plans.

Strong infrastructure and commitment

We are built for longevity, and we don’t chase trends. With strong underwriting and large deal capacity, we can help you build, develop and acquire the real estate you need to succeed.

Reliable and steadfast

For more than a century, we have been working to strengthen and grow companies. We are in it for the long-haul and our seasoned real estate financers will work with you to manage challenges throughout the lifecycle of our partnership.

Deep expertise and strategic insight

Construction and real estate financing can be complex, which is why we take a team approach to your deal—leveraging our cross functional expertise in service to you and your business. We will help you establish a strategy that suits your current and future financing needs.

  • Local financing specialists who understand your market
  • Established relationships with top-tier developers
  • Competitive pricing for your market
  • In-depth consultations to understand your business goals and needs
  • Customizable loan terms
  • Loan process tailored to your deal structure
  • Dedicated team specializing in commercial real estate with deep experience at all levels
  • Short-term, long-term, fixed and floating loans available

Business owners ready to purchase or renovate a building

When you decide to purchase real estate for your business, it’s important to analyze your options to ensure a good fit for the long-term—both with the building and your lender. We have a variety of financing and loan terms available for owner-occupied commercial real estate. We look at your whole financial picture to anticipate how a purchase can influence your bottom line, and structure a deal that works for your timeline, liquidity and goals.


We help you:

  • Finance the purchase of the right building to take your business to the next level
  • Refinance your real estate to meet your needs

Developers looking to get started on a project

Commercial real estate construction projects are complex, and require specific insight, local knowledge and an analytical approach. When you’re ready to launch a real estate development project, we can help you explore your opportunities, structure your deal and partner with you as the project progresses.


We work with you on:

  • Construction only projects
  • Construction/permanent financing
  • Bridge financing
  • Large-scale property renovations

Investors looking to diversify with real estate

UMB offers loan terms that vary from three to 10 years on stabilized investment properties structured to help meet your investment objectives.

For investment CRE term loans up to $3 million, UMB has a specialized program to meet the unique needs of small to moderate sized investment property owners.


UMB is a good fit for property investors looking to:

  • Finance the purchase of an investment property
  • Refinance into a new loan to meet current needs
  • Renovate an investment property
  • Consolidate multiple investment properties into one loan

Finance farmland

We are here to support America’s farmers, ranchers and growers with farmland financing and agricultural lending.

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What you need to know about Kansas City’s booming commercial real estate industry

Kansas City’s office and industrial vacancy rates are near all-time lows, and investors continue to show interest in one of the Midwest’s fastest-growing cities. But questions abound as the commercial real estate (CRE) industry continues its dominant run. Ned Smith, senior vice president and Kansas City commercial real estate team lead at UMB Bank, discusses the trends impacting the region’s robust CRE activity.

From the ground up: How we built a $3.5 billion Investment CRE portfolio in four years

It takes decades of experience, a laser-like focus and an experienced team to create the kind of growth Cydney Gurgens has produced with UMB Bank’s commercial real estate group. She recently shared how her team accomplished this and what it took to get it done with the Kansas City Business Journal.

UMB sees tremendous commercial real estate growth in St. Louis

Tracy Howren, senior vice president of commercial lending for UMB Bank in St. Louis, recently talked with the St. Louis Business Journal about the bank’s CRE lending growth and what this means for clients, associates and the banking economy. Read more to hear about UMB’s hiring and what this growth means for the CRE industry as demand continues to grow nationwide.

Business financing

As your business needs change and evolve, you need dependable business financing to support your plans.

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Business credit cards

Find the right business credit card for your company with more options, more flexibility, more control and more protection.

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Bank deposit products provided by UMB Bank n.a., Member FDIC. Equal Housing Lender

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