Lender · SBA 7(a) record
UMB Bank, National Association
MO · lends in 16 states · 2,659 SBA loans since 2010, 275 in the last five years.
How fast they approve. UMB Bank, National Association made 63% of its recent SBA 7(a) loans under Preferred Lender (PLP) authority — it can approve them in-house without sending your file to the SBA to re-underwrite, which is the biggest single driver of how fast a loan closes. Why approval speed comes down to the lender.
What stands out about UMB Bank, National Association
vs every other SBA lenderIt leans into one industry. 21% of UMB Bank, National Association's loans go to offices of dentists — roughly 2× the share you would expect, so it clearly knows that business.
Borrowers here paid a median of prime + 0.70% — cheaper than the prime + 1.99% typical across lenders.
UMB Bank, National Association is acquisition-heavy. 34% of its loans are business acquisitions, well above the norm — a good sign if that is your deal.
This read is built from 275 funded 7(a) loans over the last five fiscal years.
Will they talk to you?
loan sizes fundedThe spread of loan sizes tells you where this lender is comfortable. Ask for something far outside it and expect friction.
Do they fund businesses like yours?
last 5 yearsA lender who already knows your industry asks better questions and closes faster. One who doesn't will treat your file as an education.
Middle of the road on risk
1.47% charged off, close to the 2.11% across all SBA lending. Neither unusually tight nor unusually loose.
What rate people got
median markup over primeThe median borrower here paid prime + 0.70%. Compare that against what you have been quoted — the markup is the negotiable part, and most borrowers never try.
Their loans, year by year
cumulative % of dollars charged off| Approved | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2010 | 0.0 | 0.3 | 0.5 | 1.0 | 1.1 | 1.9 | 1.9 | 2.9 | 2.9 | 3.2 |
| 2011 | 0.0 | 0.0 | 0.0 | 0.5 | 1.2 | 1.3 | 2.1 | 2.2 | 2.4 | 2.4 |
| 2012 | 0.0 | 0.0 | 1.0 | 1.3 | 1.5 | 4.5 | 5.1 | 5.1 | 5.1 | 5.1 |
| 2013 | 0.0 | 0.0 | 0.9 | 1.2 | 1.6 | 3.0 | 3.8 | 3.8 | 3.8 | 3.9 |
| 2014 | 0.0 | 0.0 | 0.1 | 0.3 | 2.3 | 2.3 | 2.3 | 2.4 | 3.4 | 3.4 |
| 2015 | 0.0 | 0.0 | 0.3 | 0.5 | 0.5 | 0.7 | 0.7 | 0.7 | 1.0 | 3.4 |
| 2016 | 0.0 | 0.0 | 0.3 | 0.5 | 2.3 | 2.3 | 5.4 | 6.7 | 7.2 | · |
| 2017 | 0.0 | 0.0 | 0.0 | 0.9 | 4.3 | 4.3 | 4.5 | 4.5 | · | · |
| 2018 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · | · |
| 2019 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4.1 | · | · | · | · |
| 2020 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | · | · | · | · | · |
| 2021 | 0.0 | 0.0 | 0.2 | 0.2 | · | · | · | · | · | · |
| 2022 | 0.0 | 0.0 | 0.0 | · | · | · | · | · | · | · |
| 2023 | 0.0 | 0.0 | · | · | · | · | · | · | · | · |
| 2024 | 0.0 | · | · | · | · | · | · | · | · | · |
| 2025 | · | · | · | · | · | · | · | · | · | · |
| 2026 | · | · | · | · | · | · | · | · | · | · |
Each row is one year's lending. Read down a column to compare years at the same age — that is the only fair comparison, because losses take three to five years to appear and a fast-growing lender always looks clean on a raw average.
What this page cannot tell you
Federal records show what was approved, not how long it took, how the bank communicated, or whether your loan officer returned calls. Ask any lender directly: are you a preferred lender, how many deals like mine did you close last year, and who underwrites it.
Check your eligibility first → Decode what they say to you →
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Common questions
Does UMB Bank, National Association make SBA startup and acquisition loans?
Yes — its recent SBA 7(a) record includes 65 business acquisitions, 54 commercial real-estate loans, 43 startups, 28 franchise loans. If your deal is one of these, it has funded that kind of loan many times before. See how it ranks for your exact deal.
What is the smallest SBA loan UMB Bank, National Association will make?
Its practical minimum — the 5th percentile of what it has actually funded — is about $49,100, and the typical (median) UMB Bank, National Association loan is $350,000. If your loan is well below its practical minimum, it is unlikely to be interested however strong your file.
What interest rate do UMB Bank, National Association SBA borrowers get?
On variable-rate loans, recent UMB Bank, National Association borrowers paid a median of prime + 0.70%. The markup over prime is the negotiable part of any SBA quote. Check a rate you have been quoted.
What states does UMB Bank, National Association lend in?
Most of UMB Bank, National Association's recent SBA lending is concentrated in Missouri, Arizona, Colorado, among 16 states in total. Compare lenders by state.