Small Business Banking
Business Loans and Lines of Credit
As the market changes or opportunities arise, your business lending needs will shift. Your Small Business Specialist can help you find the solution that works for you today, tomorrow and beyond.
Predictable Payments
Term Loan
With the benefit of a predictable loan payment, a term loan can help you closely manage your monthly expenses. The structure of this type of financing matches the life of your collateral or asset purchases, like machinery and equipment, vehicles and trucks, or furniture and fixtures.
Borrow funds as a one-time lump sum | |
Fixed payments over the life of the loan | |
Minimum of 2 years in business | |
Terms between 1 – 7 years | |
Minimum loan amount of $10,000 |
Flexible options
Line of Credit
You can fund short-term business expenses quickly and easily with a line of credit. This flexible option allows you to borrow, repay and re-borrow the amount you need, when you need it.
Borrow funds as you them | |
Interest only monthly payments, based on your outstanding balance | |
Minimum of 2 years in business | |
Terms between 1 – 7 years |
Opportunity for growth
Commercial Real Estate
You can leverage real estate loans for the construction, purchase or refinance of business properties.
Borrow funds as a one-time lump sum | |
Fixed payments over the life of the loan | |
Minimum of 2 years in business | |
Terms between 1 – 5 years, amortizations of up to 25 years | |
Minimum loan amount of $10,000 |
Committed strategic vision and support
Since 1913, we’ve helped businesses grow with our commitment to providing strategic financial advice and ongoing personal relationship.
Custom solutions
Every business is different, so our banking solutions aren’t one-size-fits-all. We listen to your goals and offer flexible solutions to help your specific business thrive.
Responsive Small Business Specialists
Your dedicated banker takes the time to understand your business and unique situation so that you can make informed, confident financial decisions.
Ready to apply online? Be prepared with essential business information
Business name, address and tax ID | |
A mobile phone number that we will text to verify your identity | |
Date the business was established or the business acquisition date of current ownership | |
The Social Security number, address and date of birth of all business owners | |
Where applicable, specific information about the collateral you intend to finance (equipment, vehicle or real estate) |
Nature of business (industry and/or NAICS code) | |
Financial details including gross annual sales, net profit, total business assets, and total business liabilities | |
List of outstanding obligations, if any (list should include lender, current loan balance or credit limit, and monthly payment) | |
Business documentation such as filing documents, organizing documents, operating agreement, partnership agreement, bylaws |
Connect with a Small Business Specialist
Do you want to discuss your financing options before starting an application? One of our specialized bankers are to help you.
Obtaining Financing and Funding for Your Small Business
Learn how to find the right financing and funding sources for your small business.
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Frequently asked questions
Can I apply online for a small business loan or line of credit?
Yes, you can apply online or connect with one of our Small Business Specialists if you want guidance on the best solution for you.
Do I need to have an account with UMB to apply online for financing?
No, we do not require you to have a current account to apply online. You may be required to open an account as a condition of closing the financing.
Does UMB provide SBA loans?
Yes, UMB is an SBA Preferred Lender. Learn more about SBA loans.
Does UMB fund startup businesses?
In most cases, UMB requires two years of business for financing. However, if you’ve been in business for less than two years, please connect with a Small Business Specialist to see how we can support you.
Do I pay interest on my line of credit when there isn’t a balance?
You will only pay interest on the amount you borrow from your line of credit.
More opportunities to fund your business
If a business doesn’t qualify for a traditional loan due to not enough credit history, collateral or cash flow, SBA loans could be a great tool for help business owners obtain financing.
Business Overdraft Protection links your UMB business checking account with a business line of credit. If an overdraft occurs on your business checking account, we will automatically transfer funds from your Overdraft Protection line of credit up to your available credit limit.
This card is perfect for travel benefits and flexible rewards. A business credit card designed for small to mid-sized organizations, with flexible rewards, employee management and in-depth reporting.
Please note that our loans may require your payments to be auto-debited from a UMB business checking account. Once your financing application is approved we can help you open a business checking account during the closing process.
Find the financing that works for you
How to apply for business financing
Apply online
Online applications are available for term loans, lines of credit and commercial real estate loans.
Schedule an Appointment with a Small Business Specialist
Call: 844.958.1299
Email: smallbusiness@umb.com
Work with a small business specialist to apply for a credit card, overdraft line of credit, as well as term loans, lines of credit, or real estate loans.
Things to keep in mind
- Typically, we require guarantors to have a FICO® score of at least 680 and at minimum two years in business except for SBA loans and credit card applications.
- All loan applicants are required to be located within the UMB branch network. Find a UMB near you.
We’re here to help you find the right financing for your business with quick loan processing and flexible terms.
Read more for a complete list of what you’ll need to apply
Business Insights
Loan Repayment Calculator
Use this calculator to determine how much longer you will need to make these regular payments to pay off your loan.
Equipment Purchase Calculator
Use this calculator to analyze the financial impact of up-front fees, interest rates and residual value on the lease versus buy decision.
Free Small Business Education
How Businesses Use Credit
Learn how to use credit and other types of credit available to help you be an informed borrower.