STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,189
2010–2026
Total Volume
$412M
Gross loan amounts
States Active
15
With recorded loans
Programs
7(a) & 504
1189 total segments
Commerce Bank has a strong focus on existing businesses, with 67% of their deals supporting established companies. This makes them a solid choice for borrowers looking to expand or refinance an existing operation.
With an average 7(a) spread of P+1.58%, Commerce Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings over the life of your loan.
Despite a 10% share of 504 loans, Commerce Bank's focus is heavily on 7(a) loans, which comprise 90% of their activity. If you're seeking a 504 loan, consider that their offerings in this area are minimal.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 116 504 loans, which use fixed SBA debenture rates.
States where Commerce Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Wholesale Trade
Wholesale Trade
Transportation & Warehousing
Transportation & Warehousing
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Physician & Dental Offices
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Commerce Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 53 | P+1.48% | $74K | Q2 2025 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 45 | P+2.65% | $66K | Q3 2025 |
| Missouri · Physician & Dental Offices · Under $150K | 7(a) | 29 | P+2.00% | $64K | Q3 2023 |
| Missouri · Administrative & Waste Services · Under $150K | 7(a) | 28 | P+1.87% | $46K | Q2 2025 |
| Missouri · Management & IT Consulting · Under $150K | 7(a) | 22 | P+3.38% | $61K | Q1 2025 |
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 20 | P+1.63% | $87K | Q4 2025 |
| Missouri · Other Repair & Services · Under $150K | 7(a) | 20 | P+1.25% | $71K | Q3 2024 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 17 | P+2.68% | $64K | Q1 2025 |
| Missouri · Manufacturing · Under $150K | 7(a) | 16 | P+1.95% | $73K | Q1 2022 |
| Missouri · Legal Services · Under $150K | 7(a) | 15 | P+3.50% | $60K | Q1 2024 |
| Missouri · Wholesale Trade · Under $150K | 7(a) | 15 | P+2.50% | $75K | Q3 2025 |
| Kansas · Administrative & Waste Services · Under $150K | 7(a) | 14 | P+2.13% | $46K | Q4 2024 |
| Colorado · Wholesale Trade · Under $150K | 7(a) | 14 | P+2.54% | $75K | Q3 2024 |
| Missouri · Engineering & Architecture · Under $150K | 7(a) | 14 | P+2.38% | $80K | Q2 2021 |
| Kansas · Manufacturing · Under $150K | 7(a) | 14 | P+1.75% | $68K | Q3 2023 |
| Missouri · Other Professional Services · Under $150K | 7(a) | 13 | P+1.75% | $78K | Q3 2024 |
| Missouri · Physician & Dental Offices · $150K – $350K | 7(a) | 13 | P+1.29% | $273K | Q3 2016 |
| Missouri · Auto Repair & Maintenance · Under $150K | 7(a) | 12 | P+3.00% | $72K | Q1 2025 |
| Missouri · Retail Trade · Under $150K | 7(a) | 12 | P+2.02% | $109K | Q1 2025 |
| Missouri · Transportation & Warehousing · $150K – $350K | 7(a) | 11 | P+1.23% | $203K | Q2 2024 |
| Kansas · Specialty Trade Contractors · Under $150K | 7(a) | 11 | P+2.25% | $64K | Q1 2025 |
| Missouri · Other Health Practitioners · $150K – $350K | 7(a) | 11 | P+1.80% | $219K | Q2 2023 |
| Missouri · Wholesale Trade · $150K – $350K | 7(a) | 10 | P+0.75% | $267K | Q3 2024 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 10 | P+1.54% | $259K | Q2 2024 |
| Missouri · Finance & Insurance · Under $150K | 7(a) | 10 | P+1.00% | $63K | Q2 2024 |
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Real experiences from borrowers who closed SBA loans with Commerce Bank.
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