Commerce Bank: loans and programs

Commerce Bank has 479 approved loans in SBA's files, $154.8 million gross, FY2017 to FY2026. SBA, not Commerce Bank, guarantees these 479 loans. The figures for Commerce Bank are loan records only. All 479 loans at Commerce Bank are 7(a); 0 are 504. MO is the lender state SBA records for Commerce Bank. These 479 loans are ones that SBA shows Commerce Bank holding, now or before.

Asset classes and states in the Commerce Bank book

The followed classes leave 414 of Commerce Bank's 479 loans out of view. By loan count the classes for Commerce Bank are Full-service restaurant (11), Dental office (10), Veterinary clinic (8), Automotive mechanical repair (car and truck) (6), Fitness center (5), Grocery store (5). Full-service restaurant borrowers can place a project next to 11 such loans at Commerce Bank. Dental office follows with 10 loans at Commerce Bank. In Veterinary clinic, Commerce Bank shows 8 loans. Kansas ranks second among states for Commerce Bank, at 113 loans. By state, Commerce Bank begins Missouri (278), Kansas (113), Colorado (40), Illinois (25), Texas (6), Georgia (5), Oklahoma (5). Lender state in the file: MO, while the largest state by loans is Missouri.

Commerce Bank: cancellations and losses

For Commerce Bank approvals from FY2017 to FY2024, 10.2% were cancelled after approval, a floor; and 11.9% as a ceiling that counts undisbursed loans. Commerce Bank shows floors, not final rates, and later charge-offs inside the cohort can only raise it. Loan Analytics does not print the charge-off floor for Commerce Bank on FY2017 to FY2021 disbursements, as the cohort is under 30 loans; it is not shown as nil.

The Commerce Bank record and a feasibility study

Full-service restaurant at Commerce Bank starts with a check on demand. Next, a study of Dental office should check the cost to build, with 10 such loans on Commerce Bank's record. Debt service coverage follows, and $154.8 million across 479 loans at Commerce Bank cannot settle it for a project. An appraisal closes the study, and 8 Veterinary clinic loans at Commerce Bank are no stand-in. An applicant in Missouri can compare with 278 loans in the Commerce Bank record, and one in Kansas, 113. Commerce Bank alone decides what it requires. Nothing promises approval, and Commerce Bank sets its own terms.

SBA loans held by Commerce Bank

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY2026	479
Gross dollars approved	$154.8 million
SBA 7(a) loans	479
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	10.2%
The same, counting loans still undisbursed as cancelled (a ceiling)	11.9%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	414
Full-service restaurant	11
Dental office	10
Veterinary clinic	8
Automotive mechanical repair (car and truck)	6
Fitness center	5
Grocery store	5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or area	Loans
Missouri	278
Kansas	113
Colorado	40
Illinois	25
Texas	6
Georgia	5
Oklahoma	5

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-24998.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Commerce Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Commerce Bank: SBA Lending Record