Small Business Solutions
Your business is our business.
Whether you need a small business loan or a full-featured bank account, we have the solutions you need to get started, get growing and get ready for your next step.
Small Business Solutions
Your business is our business.
Whether you need a small business loan or a full-featured bank account, we have the solutions you need to get started, get growing and get ready for your next step.
Straightforward and responsive
We are ready to help you make informed, confident financial decisions for your business with the right-sized solution and a roll-up-our sleeves approach.
Relationships built to last
We have banking services that can evolve with you as your business launches, changes and adapts over the years. With lending and banking solutions that cover the full lifecycle of your business, we will partner with you for the long haul.
Strategic support and vision
Managing a business means your eye is always on the next move, the next opportunity, the next market shift. We will help you strategically manage your everyday banking services and lending opportunities, so you can stay focused on the horizon.
Small business loans and lending
Your business is different, which is why we take the time to listen, discuss your growth opportunities and offer small business lending options tailored to your situation.
Connect with us today to start your financing consultation.Small business loans
We offer a wide variety of business loans and lending options that can help you for the short-term or the long-term. From equipment loans and leases, accounts receivable financing, asset based loans and more, we can help you meet the next challenge head-on.
Small Business Administration (SBA) loans
UMB is an SBA certified lender offering several SBA programs with a streamlined underwriting process and broad qualifying business purpose. These loans can offer longer terms, with rates tailored to your business needs. They can allow you to expand and grow with equipment purchasing, real estate, international services and other business expenses.
Lines of credit
Business lines of credit are a flexible financing option that gives you access to a revolving credit amount rather than a lump sum. This can be useful for ongoing credit needs for purchases or expense management to support seasonal changes in operations, inventory demands, short-term financing, among others.
Small business credit card
The UMB Visa® Signature Business Rewards credit card is designed for mid-sized organizations, with flexible rewards, employee management and in-depth reporting.
Small business checking accounts
We have several business checking account options that are designed to meet your business needs, whether you’re a sole proprietor, a start-up or an established business. Any of these accounts can be opened with a $100 minimum, and provide tiered services charges based on your transaction volume and needs.
Small business checking – Great for business with low or moderate transaction volume
This straightforward account gives you efficient checking features, so you can quickly and easily manage your business cash flow.
Small business checking plus - Great for business with moderate to high transaction volume
An enhanced business checking account to better serve businesses with more than 100 transactions each month.
Small business treasury solutions checking – Great for businesses who need access to additional financial tools
A value-add small business checking account that pairs streamlined checking features with included access to remote deposit, QuickBooks® and check imaging.
Start your checking account by visiting your local UMB.
Compare our small business checking options with our downloadable solution guide.
Small business savings
Optimize your extra business cash with an interest-bearing money market account.
Small business money market account
This money market account pays you interest on the amount of your deposit balance, so the more you save, the more you earn.
- Competitive interest rates paid on seven-tiered balances
- Up to six withdrawals per month at no charge
- Limited check writing
- Interest earned on balances
Compare our small business checking options with our downloadable solutions guide.
We’ve built flexible solutions to serve the unique needs of your business.
- Online account management
- In-depth financial review for you or your employees
- Implement processes to reduce and prevent fraud
- Payment services and point-of-sale solutions
- Insurance program opportunities
- Optimize day-to-day cash flow with treasury services
- Remote check deposit
- Convenient branch and ATM access
- Services for all phases of your business
Small business banking online – tools you can use for your next business move
Online banking is a simple way to pay bills and manage your accounts from the convenience of your home or office. With UMB’s online banking dashboard, you can view up to 18 months of statements, check images and deposit slips, easily transfer funds between accounts, and pay bills online.
Explore UMB’s digital banking business solutionsThe changing landscape of business banking
We’re seeing a shift in business banking, with companies increasingly needing more help with large-scale service needs, tight labor markets affecting employee tenure and hiring, and market consolidation impacting clients as banks enter or exit industries. With changes and challenges like these, it’s critical your banker know and understand your company and its needs, so it can be a true strategic partner.
Five tips that can improve business cash flow
Running a business is hard work – juggling priorities while simultaneously reacting to shifting market conditions and demand. It’s likely your first priority is to make the business successful, which includes optimizing the company’s income/expense ratio. To help adjust to the business’ liquidity needs, take a look at the following tips for improving cash flow.
We’re your full-service financial institution.
So, you have your business finances squared away. What about yours? We can schedule a personal financial review with you to help you ensure your personal finances are as healthy as your business’s. We can help you map out a financial plan that’s unique to you.
Schedule a personal financial review todayMerchant payment processing
We have a suite of cost-effective merchant payment services that deliver a seamless payment experience for your customers.
Manage payroll and employee benefits
UMB can help you serve your employees, whether you’re looking for payroll management services or an integrated HR solution.