# SBA loans to sit-down restaurants in Missouri **Short answer:** SBA's loan file shows 264 loans to sit-down restaurants in Missouri since October 2019. 6.1% were lines of credit, against 17.9% nationally. 21.2% went through SBA Express, against 31.1% nationally. Canonical page: https://www.sbaexpress.loans/industries/full-service-restaurants/missouri/ Data as of: 2026-06-30 These are the 264 SBA 7(a) loans to [sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) in [Missouri](https://www.sbaexpress.loans/missouri-small-business-loans/) approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other. ## How Missouri differs from the U.S. **What this means for you.** Lines of credit were less common here, so most of these loans were term loans repaid on a set schedule. ### Lines of credit 6.1% of the loans in Missouri were lines of credit, against 17.9% nationally. Lines of credit, share of loans, Oct 2019 to Jun 2026 - Missouri: 6.1% - United States: 17.9% ### SBA Express 21.2% of the loans in Missouri went through SBA Express, against 31.1% nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - Missouri: 21.2% - United States: 31.1% We compared 9 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure. ## Missouri next to the U.S. **Missouri compared with all loans to sit-down restaurants in the U.S., October 2019 to June 2026** | Measure | Missouri | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 4.5% | 4.5% | No clear gap | | Median loan | $266,900 | $274,500 | No clear gap | | Middle half of loans | $123,900 to $580,550 | $84,000 to $661,100 | – | | Startups (the loan opens the business) | 24.6% | 25.7% | No clear gap | | In business 2 years or less | 12.9% | 16.4% | No clear gap | | In business more than 2 years | 41.3% | 43.8% | No clear gap | | Change of ownership | 18.9% | 13.3% | No clear gap | | SBA Express | 21.2% | 31.1% | Clearly lower | | Lines of credit | 6.1% | 17.9% | Clearly lower | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2.25 points over Prime | 2.5 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## Who lends in Missouri The 5 lenders below made 71 of the 264 loans approved October 2019 to June 2026, or 26.9%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in Missouri** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [OakStar Bank](https://www.sbaexpress.loans/sba-express-lenders/oakstar-bank/) | 21 | 8.0% | Not in top 5 | | [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/) | 16 | 6.1% | 3.1% | | [Midwest Regional Bank](https://www.sbaexpress.loans/sba-express-lenders/midwest-regional-bank/) | 14 | 5.3% | Not in top 5 | | [The Central Trust Bank](https://www.sbaexpress.loans/sba-express-lenders/the-central-trust-bank/) | 12 | 4.5% | Not in top 5 | | [American Bank of Freedom](https://www.sbaexpress.loans/sba-express-lenders/american-bank-of-freedom/) | 8 | 3.0% | Not in top 5 | Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry. ## Sit-down restaurants in other states Other states where these loans differ clearly from the national pattern, most loans first. **Sit-down restaurants by state** | State | Loans since October 2019 | | --- | --- | | [California](https://www.sbaexpress.loans/industries/full-service-restaurants/california/) | 1,924 | | [Texas](https://www.sbaexpress.loans/industries/full-service-restaurants/texas/) | 1,118 | | [New York](https://www.sbaexpress.loans/industries/full-service-restaurants/new-york/) | 945 | | [Florida](https://www.sbaexpress.loans/industries/full-service-restaurants/florida/) | 897 | | [Ohio](https://www.sbaexpress.loans/industries/full-service-restaurants/ohio/) | 790 | | [Michigan](https://www.sbaexpress.loans/industries/full-service-restaurants/michigan/) | 584 | | [Georgia](https://www.sbaexpress.loans/industries/full-service-restaurants/georgia/) | 580 | | [Pennsylvania](https://www.sbaexpress.loans/industries/full-service-restaurants/pennsylvania/) | 546 | ## More industries in Missouri Other industries in Missouri with a clear difference from the national pattern, most loans first. **Other industries in Missouri** | Industry | Loans since October 2019 | | --- | --- | | [Fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/missouri/) | 200 | | [Gyms, fitness studios and recreational sports centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/missouri/) | 149 | | [Landscaping and lawn care companies](https://www.sbaexpress.loans/industries/landscaping-services/missouri/) | 100 | | [Plumbing and HVAC companies](https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/missouri/) | 100 | | [Home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/missouri/) | 93 | | [Local trucking companies](https://www.sbaexpress.loans/industries/general-freight-trucking-local/missouri/) | 92 | | [Insurance agencies and brokerages](https://www.sbaexpress.loans/industries/insurance-agencies-brokerages/missouri/) | 76 | | [Long-haul truckload carriers](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/missouri/) | 71 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)