Small Business Administration (SBA) Loans

Small Business Administration (SBA) Loans

Commerce participates in the Small Business Administration’s Preferred Lender Program. As active, experienced small business administration lenders, we use our own applications and internal credit underwriting guidelines to make the SBA loan process simple, fast and convenient for you.

Our small business loans offer:

  • Fast approval process
  • Both term loans and lines of credit available
  • A great choice for young businesses1 that are growing rapidly or need to refinance existing debt

An SBA Loan from Commerce is easier on your balance sheet with:

  • Low down payments help conserve capital
  • Longer terms improve cash flow

Our small business loan amortization includes:

  • Up to 25-year amortization for real estate loans
  • 7-10 year amortization for equipment and business purchases


  1. Businesses must be located in Missouri, Kansas, Illinois, Oklahoma or Colorado.
  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.
  • Call 866-365-9346
  • Contact a Specialist
  • Find your local branch

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