# Small Business Loans in Missouri

> Missouri sits at the logistical crossroads of the country, with Kansas City and St. Louis anchoring opposite ends of the state and a deep base of agriculture, manufacturing, and healthcare in between. Hoss Capital matches Missouri business owners with funding partners that actively lend statewide, from Kansas City and St. Louis to Springfield and the rural communities along the Missouri and Mississippi rivers.

## Key takeaways
- Missouri's Commercial Financing Disclosure Law (Section 427.300, RSMo) requires standardized cost and payment disclosures on covered commercial financing of $500,000 or less, with disclosure requirements effective February 28, 2025.
- It also requires commercial financing brokers to register with the Division of Finance and maintain a $10,000 surety bond.
- The economy spans the Kansas City and St. Louis metros, agriculture, logistics, healthcare, and animal health, with St. Louis and Kansas City SBA district offices splitting the state by county.

## Funding the Missouri economy

Missouri's economy is anchored by two very different metros at opposite ends
of the state. Kansas City is a logistics and financial-services hub and the
center of a nationally significant animal-health and agtech corridor, while
St. Louis combines a deep bioscience and plant-science cluster with healthcare,
financial services, and aerospace. Between them, Springfield's healthcare
systems and manufacturers, plus farms, food processors, and river-and-rail
distribution networks statewide, keep demand for capital steady through every
season.

### Industries we fund across Missouri

- **Agriculture & food production** — seasonal working capital and equipment
  financing for farms, cattle operations, and processors across rural Missouri.
- **Transportation & logistics** — invoice factoring and equipment loans for
  trucking and distribution firms using the state's central highway, rail, and
  river networks.
- **Healthcare** — practice financing and build-outs for clinics and dental and
  veterinary practices in Kansas City, St. Louis, and Springfield.
- **Manufacturing** — equipment loans and working capital for shops supplying
  the state's automotive, aerospace, and food-production base.
- **Retail & services** — short-term working capital for restaurants, shops,
  and service firms across the Kansas City and St. Louis metros.

### What Missouri's Commercial Financing Disclosure Law means for you

If you're considering a merchant cash advance or other commercial financing of
$500,000 or less, Missouri now requires providers to disclose the full cost and
payment terms up front — including the total dollar cost of financing — and
requires brokers to register with the state Division of Finance. That's good
news for borrowers: it makes comparing offers far easier. Hoss Capital only works
with partners who operate transparently.

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Canonical: https://hoss-capital.pages.dev/locations/missouri/

Sources:
- https://revisor.mo.gov/main/OneSection.aspx?section=427.300
- https://www.sba.gov/district/st-louis
- https://www.sba.gov/district/kansas-city
- https://www.senate.mo.gov/24info/pdf-bill/intro/SB753.pdf