UMB Bank, National Association
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by UMB Bank, National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621210 | Offices of Dentists | 328 | $207.3M | $632K | 9.2% |
| 722513 | Limited-Service Restaurants | 224 | $97.9M | $437K | 6.3% |
| 561730 | Landscaping Services | 144 | $66.8M | $464K | 4.0% |
| 236220 | Commercial and Institutional Building Construction | 112 | $21.4M | $191K | 3.1% |
| 238990 | All Other Specialty Trade Contractors | 112 | $70.2M | $627K | 3.1% |
| 722511 | Full-Service Restaurants | 104 | $71.2M | $685K | 2.9% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 104 | $58.6M | $564K | 2.9% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 80 | $59.0M | $738K | 2.2% |
| 713940 | Fitness and Recreational Sports Centers | 72 | $21.1M | $293K | 2.0% |
| 811192 | Car Washes | 64 | $37.9M | $593K | 1.8% |
Geographic Distribution
SBA lending activity for UMB Bank, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Colorado (CO) | 584 | $422.4M | 16.4% |
| Arizona (AZ) | 456 | $334.7M | 12.8% |
| Missouri (MO) | 648 | $310.6M | 18.2% |
| Kansas (KS) | 504 | $258.8M | 14.1% |
| Texas (TX) | 368 | $204.1M | 10.3% |
| Utah (UT) | 312 | $185.4M | 8.7% |
| Wisconsin (WI) | 96 | $133.8M | 2.7% |
| Illinois (IL) | 120 | $91.8M | 3.4% |
| New Mexico (NM) | 168 | $67.0M | 4.7% |
| Minnesota (MN) | 120 | $55.7M | 3.4% |
| Montana (MT) | 32 | $29.8M | 0.9% |
| Indiana (IN) | 8 | $17.7M | 0.2% |
| Iowa (IA) | 48 | $16.9M | 1.3% |
| California (CA) | 48 | $16.5M | 1.3% |
| Oregon (OR) | 8 | $12.0M | 0.2% |
| Nebraska (NE) | 8 | $5.6M | 0.2% |
| Alabama (AL) | 16 | $4.2M | 0.4% |
| Oklahoma (OK) | 16 | $680K | 0.4% |
| South Dakota (SD) | 8 | $400K | 0.2% |
Why Choose UMB Bank, National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 3,568 SBA loans approved, totaling $2.17B in financing
- ✓Industry Expertise: Specialized focus on Offices of Dentists, Limited-Service Restaurants, Landscaping Services
- ✓Competitive Terms: Average interest rate of 6.89% with flexible term lengths averaging 138 months
- ✓Loan Range: Loan sizes from $15K to $5.0M, with an average of $608K
- ✓Nationwide Reach: Active lending in 19 states, with strong presence in MO, CO, KS
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about UMB Bank, National Association SBA lending
What types of businesses does UMB Bank, National Association typically finance?
UMB Bank, National Association specializes in SBA 7(a) lending to specific industries including offices of dentists, limited-service restaurants, landscaping services, commercial and institutional building construction. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are UMB Bank, National Association's typical SBA loan terms?
UMB Bank, National Association's SBA 7(a) loans typically feature an average interest rate of 6.89% and average term length of 138 months (approximately 12 years). Loan sizes range from $15K to $5.0M, with an average loan size of $608K.
Do I need a business valuation for a UMB Bank, National Association SBA loan?
Yes, UMB Bank, National Association typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does UMB Bank, National Association compare to other SBA lenders?
UMB Bank, National Association has originated 3,568 SBA loans totaling $2.17B since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does UMB Bank, National Association lend in?
UMB Bank, National Association provides SBA 7(a) financing with particularly strong presence in MO, CO, KS, AZ, TX. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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