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.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
3,350
2010–2026
Total Volume
$1.7B
Gross loan amounts
States Active
28
With recorded loans
Programs
7(a) & 504
3349 total segments
UMB Bank has a strong focus on existing businesses, with 59% of their deals serving this purpose. This makes them a solid choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+1.86%, UMB Bank offers competitive pricing compared to the national median of ~P+2.75%. This could save you money on interest over the life of your loan.
Despite a diverse program mix, UMB Bank's 504 share is at 13%, which is below the national average of ~18%. If you're specifically looking for 504 loans, you might want to explore other lenders with a stronger focus on this program.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 440 504 loans, which use fixed SBA debenture rates.
Top 15 of 28 states where UMB Bank, National Association has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for UMB Bank, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 46 | P+2.75% | $64K | Q4 2017 |
| Wisconsin · Restaurants & Food Service · $150K – $350K | 7(a) | 31 | P+2.75% | $249K | Q1 2020 |
| Missouri · Physician & Dental Offices · Under $150K | 7(a) | 30 | P+1.25% | $64K | Q2 2025 |
| Illinois · Manufacturing · Under $150K | 7(a) | 29 | P+2.00% | $79K | Q3 2020 |
| California · Real Estate · $150K – $350K | 7(a) | 28 | P+2.25% | $224K | Q1 2017 |
| Wisconsin · Manufacturing · Under $150K | 7(a) | 26 | P+2.25% | $91K | Q2 2017 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 25 | P+1.75% | $70K | Q4 2025 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 25 | P+2.75% | $236K | Q4 2016 |
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 24 | P+1.25% | $87K | Q3 2025 |
| Wisconsin · Manufacturing · $500K – $1M | 7(a) | 23 | P+2.00% | $683K | Q3 2017 |
| Kansas · Physician & Dental Offices · Under $150K | 7(a) | 21 | P+1.00% | $60K | Q2 2025 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 21 | P+2.75% | $71K | Q3 2016 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 21 | P+2.75% | $108K | Q1 2019 |
| Missouri · Manufacturing · Under $150K | 7(a) | 20 | P+1.75% | $75K | Q4 2023 |
| Illinois · Manufacturing · $150K – $350K | 7(a) | 20 | P+2.00% | $214K | Q1 2019 |
| Wisconsin · Manufacturing · $150K – $350K | 7(a) | 18 | P+2.25% | $267K | Q4 2018 |
| Minnesota · Manufacturing · Under $150K | 7(a) | 17 | P+2.50% | $89K | Q1 2018 |
| Kansas · Manufacturing · Under $150K | 7(a) | 16 | P+2.00% | $74K | Q4 2017 |
| Minnesota · Manufacturing · $500K – $1M | 7(a) | 15 | P+2.00% | $836K | Q3 2020 |
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 14 | P+1.85% | $68K | Q1 2025 |
| California · Manufacturing · Under $150K | 7(a) | 14 | P+3.13% | $80K | Q2 2019 |
| Missouri · Physician & Dental Offices · $150K – $350K | 7(a) | 14 | P+1.07% | $302K | Q1 2025 |
| Colorado · Specialty Trade Contractors · Under $150K | 7(a) | 14 | P+2.13% | $71K | Q1 2025 |
| Kansas · Specialty Trade Contractors · Under $150K | 7(a) | 14 | P+1.25% | $64K | Q2 2018 |
| Kansas · Restaurants & Food Service · Under $150K | 7(a) | 14 | P+2.75% | $86K | Q2 2017 |
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Real experiences from borrowers who closed SBA loans with UMB Bank, National Association.
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