STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
110
2010–2026
Total Volume
$61M
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a) & 504
110 total segments
Royal Banks of Missouri has a strong focus on 504 loans, making up 42% of their total SBA deals. This is significantly higher than the national average of around 18%. If you're considering a real estate-heavy project, this lender could be a great fit.
The average spread for their 7(a) loans is P+1.54%, which is notably lower than the national median of P+2.75%. This could mean more favorable loan terms for you compared to other lenders.
With 63% of their deals going to existing businesses, Royal Banks of Missouri primarily serves established companies. If you're a startup or looking for acquisition financing, you may find less competition for your loan needs here.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 46 504 loans, which use fixed SBA debenture rates.
States where Royal Banks of Missouri has recorded SBA lending activity.
+ 2 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Personal Care (Salons, Spas)
Other Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for Royal Banks of Missouri, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Wholesale Trade · Under $150K | 7(a) | 6 | P+0.63% | $127K | Q2 2024 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 5 | P+1.00% | $76K | Q3 2022 |
| Missouri · Manufacturing · $150K – $350K | 504 | 4 | — | $274K | Q2 2023 |
| Missouri · Hotels & Accommodation · $1M – $2M | 7(a) | 4 | P+2.75% | $1.4M | Q2 2016 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.75% | $239K | Q4 2020 |
| Missouri · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+2.00% | $69K | Q2 2025 |
| Missouri · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+1.13% | $350K | Q3 2022 |
| Missouri · Manufacturing · $500K – $1M | 504 | 2 | — | $624K | Q3 2016 |
| Missouri · Hotels & Accommodation · $500K – $1M | 504 | 2 | — | $842K | Q3 2022 |
| Missouri · Manufacturing · $2M – $5M | 7(a) | 2 | P+1.50% | $3.0M | Q4 2025 |
| Missouri · Building Construction · Under $150K | 7(a) | 2 | P+1.00% | $65K | Q3 2011 |
| Missouri · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.17% | $322K | Q2 2021 |
| Illinois · Hotels & Accommodation · $500K – $1M | 504 | 2 | — | $569K | Q4 2016 |
| Missouri · Restaurants & Food Service · Under $150K | 504 | 2 | — | $67K | Q3 2024 |
| Missouri · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+1.38% | $210K | Q1 2025 |
| Missouri · Specialty Trade Contractors · $150K – $350K | 504 | 2 | — | $175K | Q2 2023 |
| Missouri · Social Assistance · $150K – $350K | 7(a) | 1 | P+1.00% | $250K | Q2 2024 |
| Missouri · Hotels & Accommodation · Under $150K | 7(a) | 1 | P+1.75% | $150K | Q4 2018 |
| Missouri · Hotels & Accommodation · $350K – $500K | 7(a) | 1 | P+2.75% | $440K | Q1 2010 |
| Missouri · Hotels & Accommodation · $500K – $1M | 7(a) | 1 | P+2.75% | $781K | Q4 2010 |
| Missouri · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+2.75% | $917K | Q4 2014 |
| Missouri · Auto Repair & Maintenance · $150K – $350K | 7(a) | 1 | P+1.25% | $280K | Q1 2022 |
| Missouri · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 1 | P+1.00% | $167K | Q1 2024 |
| Missouri · Other Repair & Services · Under $150K | 7(a) | 1 | P+1.00% | $41K | Q3 2025 |
| Missouri · Manufacturing · Under $150K | 7(a) | 1 | P+1.25% | $150K | Q4 2025 |
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Real experiences from borrowers who closed SBA loans with Royal Banks of Missouri.
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