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UMB Bank, National Association

Listed
Bank for commercial real estate loans and equipment financingKansas City, MissouriBased in Missouri; service area not yet provided
BBLL 000748Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

UMB publishes concrete conventional business-lending screens and differentiates them from SBA applications. Borrowers must be within its branch network, and a checking relationship may be required at closing.

Bank. Lends to businesses from its own deposits.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Commercial real estate loansEquipment financingBusiness lines of creditSBA 504 loansTerm loans
From the lender's own site and public records.

A second look at UMB Bank, National Association

UMB publishes concrete conventional business-lending screens and differentiates them from SBA applications. Borrowers must be within its branch network, and a checking relationship may be required at closing.

Direct bank lender; UMB identifies itself as an SBA Preferred Lender.

Published by Levr, not by UMB Bank, National Association. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Conventional business financing

Term loan
At least $10,000, 1–7-year terms, fixed payments and two years in business.
Line of credit
At least $10,000, 1–7-year terms, monthly interest-only payments on outstanding balances and two years in business.
Property loan
At least $10,000; 1–5-year terms with amortization up to 25 years.
Typical screen
Guarantor FICO generally at least 680 and two years operating, except SBA and credit-card applications. Applicants must be located within the UMB branch network.

Provider sources: Business lending requirements

SBA financing

Programs
7(a) up to $5 million, Express up to $500,000, and separate 504 financing.
Use-specific maturity
7(a) page describes up to 25 years for commercial property and up to 10 for other purposes.

Provider sources: SBA options

When it may fit

Our assessment of the published programs

  • Worth comparing for an established business within the bank’s lending footprint that meets the conventional guarantor screen, or needs an SBA exception.

What to weigh carefully

  • A current account is not required to apply online; approved loans may require automatic debit from UMB business checking.
  • Longer property amortization does not eliminate a shorter maturity balance.
  • Rates and fees require an individual offer.

Questions before you accept an offer

  1. Does my operating location meet the branch-network requirement?
  2. Which requirements differ if applying under SBA?
  3. What balance remains at maturity and how is renewal decided?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

PNC Bank

Compare PNC conventional and SBA credit.

Fifth Third Bank

Compare Fifth Third term lending and government-backed options.

The lender

Type
Bank
Legal name
UMB Bank, National Association
Founded
1902
Charter
Not yet provided Add it
Headquarters
Kansas City, Missouri
Service area
Based in Missouri; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
SBA preferred lender, SBA 504
Also lends to consumers
Not yet provided Add it
Website
umb.com
LinkedIn
Company page

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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