UMB Bank
Kansas City SBA Preferred Lender: SBA 7(a) up to $5M, Express up to $500K and 504; 7.43% median starting rate; weeks to close. Best for mid-size loans (median $350K) in MO, KS, CO.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Established businesses in Missouri, Kansas or Colorado wanting a mid-size bank SBA loan (median $350,000; up to $5M).
Not for: Borrowers who need cash in days or want posted SBA rates.
Lender List verdict: UMB Bank is a Kansas City bank and SBA Preferred Lender that approved 55 SBA 7(a) loans worth $39.0 million in the 12 months to June 30, 2026, at a 7.43% median starting rate, well under SBA caps. Rates are quoted only by a banker.
UMB Bank at a glance
| UMB Bank | |
|---|---|
| Lender type | FDIC-insured national bank (cert 8273); SBA Preferred Lender |
| Founded / HQ | 1913 / Kansas City, Missouri |
| Products | SBA 7(a), SBA Express and SBA 504 loans |
| Amounts | Up to $5,000,000 |
| Cost | 7.43% median starting rate (last 12 months) |
| Status | Active; SBA approvals through June 2026 |
What is UMB Bank?
UMB Bank, National Association, is a 113-year-old Kansas City bank with $71.9 billion in assets and 209 offices (FDIC, June 30, 2026). Its parent is UMB Financial Corporation (Nasdaq: UMBF).
How UMB Bank's SBA loans work
UMB Bank offers three SBA programs and, as a Preferred Lender, makes credit decisions in-house.
- SBA 7(a): term loan or line of credit up to $5,000,000
- SBA Express: term loan or line of credit up to $500,000
- SBA 504: real estate and equipment loans
- Terms: up to 25 years for real estate, 10 years otherwise
- Uses: real estate, acquisitions, refinancing, equipment, working capital
UMB approved 87 SBA 7(a) loans in FY2025 and 31 in FY2026 through June 30; last-12-month loans averaged about $709,000 (SBA 7(a) FOIA data).
UMB Bank SBA rates and fees
UMB Bank's recent 7(a) loans carried a 7.43% median starting rate; it posts no rates. SBA caps variable rates at Prime + 4.5% from $250,001 to $350,000 and Prime + 3% above (Prime: 7.00%).
Worked example: a $350,000, 10-year 7(a) loan at 7.43% costs $4,141.79 a month; interest over 120 payments totals $147,014.32. Netting the $7,875 SBA guaranty fee from proceeds puts the APR near 7.95%.
UMB Bank requirements
UMB Bank publishes no SBA credit minimum and exempts SBA loans from its usual 680 FICO and two-year rules.
| Requirement | UMB Bank |
|---|---|
| Credit score | Lender does not publish for SBA |
| Time in business | No stated minimum for SBA loans |
| Business size | Must meet SBA size standards |
| Equity injection | At least 10% for startups and business purchases |
| Personal guarantee | Owners of 20% or more |
| Time to close | Weeks; SBA 7(a) loans often take 30 to 90 days |
Frequently asked questions about UMB Bank
What does UMB Bank stand for? UMB comes from United Missouri Bancshares, the name Missouri Bancshares adopted in 1971. The bank's legal name today is UMB Bank, National Association, and its parent, UMB Financial Corporation, remains headquartered in Kansas City, Missouri, under chairman and CEO Mariner Kemper.
Is UMB Bank legit? Yes. UMB Bank has operated since 1913, is an FDIC-insured national bank (cert 8273) owned by Nasdaq-listed UMB Financial, and is an SBA Preferred Lender. SBA data shows 467 7(a) loans since FY2020 with only 2 charge-offs, and FDIC lists the charter as active.
How long does UMB Bank take to close an SBA loan? Plan on several weeks. UMB publishes no timeline, and SBA 7(a) loans commonly take 30 to 90 days to fund. As a Preferred Lender, UMB approves loans without the extra SBA review that non-preferred banks wait on, typically 5 to 10 business days.
Does UMB Bank lend to startups? Possibly. UMB waives its usual two-year time-in-business rule for SBA loans but does not report startup approvals. SBA rules require startups to inject at least 10% equity, and owners of 20% or more must personally guarantee the loan. Ask a UMB business banker first.
Compare SBA 7(a) loans or see Busey Bank, a Preferred Lender with Kansas City branches.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Established businesses in Missouri, Kansas or Colorado wanting a mid-size bank SBA loan (median $350,000; up to $5M).
Not for: Borrowers who need cash in days or want posted SBA rates.
Lender List verdict: UMB Bank is a Kansas City bank and SBA Preferred Lender that approved 55 SBA 7(a) loans worth $39.0 million in the 12 months to June 30, 2026, at a 7.43% median starting rate, well under SBA caps. Rates are quoted only by a banker.
UMB Bank at a glance
| UMB Bank | |
|---|---|
| Lender type | FDIC-insured national bank (cert 8273); SBA Preferred Lender |
| Founded / HQ | 1913 / Kansas City, Missouri |
| Products | SBA 7(a), SBA Express and SBA 504 loans |
| Amounts | Up to $5,000,000 |
| Cost | 7.43% median starting rate (last 12 months) |
| Status | Active; SBA approvals through June 2026 |
What is UMB Bank?
UMB Bank, National Association, is a 113-year-old Kansas City bank with $71.9 billion in assets and 209 offices (FDIC, June 30, 2026). Its parent is UMB Financial Corporation (Nasdaq: UMBF).
How UMB Bank's SBA loans work
UMB Bank offers three SBA programs and, as a Preferred Lender, makes credit decisions in-house.
- SBA 7(a): term loan or line of credit up to $5,000,000
- SBA Express: term loan or line of credit up to $500,000
- SBA 504: real estate and equipment loans
- Terms: up to 25 years for real estate, 10 years otherwise
- Uses: real estate, acquisitions, refinancing, equipment, working capital
UMB approved 87 SBA 7(a) loans in FY2025 and 31 in FY2026 through June 30; last-12-month loans averaged about $709,000 (SBA 7(a) FOIA data).
UMB Bank SBA rates and fees
UMB Bank's recent 7(a) loans carried a 7.43% median starting rate; it posts no rates. SBA caps variable rates at Prime + 4.5% from $250,001 to $350,000 and Prime + 3% above (Prime: 7.00%).
Worked example: a $350,000, 10-year 7(a) loan at 7.43% costs $4,141.79 a month; interest over 120 payments totals $147,014.32. Netting the $7,875 SBA guaranty fee from proceeds puts the APR near 7.95%.
UMB Bank requirements
UMB Bank publishes no SBA credit minimum and exempts SBA loans from its usual 680 FICO and two-year rules.
| Requirement | UMB Bank |
|---|---|
| Credit score | Lender does not publish for SBA |
| Time in business | No stated minimum for SBA loans |
| Business size | Must meet SBA size standards |
| Equity injection | At least 10% for startups and business purchases |
| Personal guarantee | Owners of 20% or more |
| Time to close | Weeks; SBA 7(a) loans often take 30 to 90 days |
Frequently asked questions about UMB Bank
What does UMB Bank stand for? UMB comes from United Missouri Bancshares, the name Missouri Bancshares adopted in 1971. The bank's legal name today is UMB Bank, National Association, and its parent, UMB Financial Corporation, remains headquartered in Kansas City, Missouri, under chairman and CEO Mariner Kemper.
Is UMB Bank legit? Yes. UMB Bank has operated since 1913, is an FDIC-insured national bank (cert 8273) owned by Nasdaq-listed UMB Financial, and is an SBA Preferred Lender. SBA data shows 467 7(a) loans since FY2020 with only 2 charge-offs, and FDIC lists the charter as active.
How long does UMB Bank take to close an SBA loan? Plan on several weeks. UMB publishes no timeline, and SBA 7(a) loans commonly take 30 to 90 days to fund. As a Preferred Lender, UMB approves loans without the extra SBA review that non-preferred banks wait on, typically 5 to 10 business days.
Does UMB Bank lend to startups? Possibly. UMB waives its usual two-year time-in-business rule for SBA loans but does not report startup approvals. SBA rules require startups to inject at least 10% equity, and owners of 20% or more must personally guarantee the loan. Ask a UMB business banker first.
Compare SBA 7(a) loans or see Busey Bank, a Preferred Lender with Kansas City branches.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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