Commerce Bank
Headquartered in Kansas City, MO. Analysis based on 324 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $105.4M.
Total 7(a) loans
324
Total approved
$105.4M
Average loan
$325K
States funded in
10
Charge-off rate
0.51%
FY2020–FY2023 cohort
Paid-in-full rate
47.21%
Average rate
7.43%
Average term
106 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 484110 | General Freight Trucking, Local | 20 |
| 561730 | Landscaping Services | 17 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 10 |
| 722511 | Full-Service Restaurants | 9 |
| 621210 | Offices of Dentists | 8 |
| 524210 | Insurance Agencies and Brokerages | 7 |
| 238320 | Painting and Wall Covering Contractors | 7 |
| 236118 | Residential Remodelers | 6 |
| 541613 | Marketing Consulting Services | 6 |
| 541940 | Veterinary Services | 5 |
Top 10 states
| State | Loans |
|---|---|
| MO | 192 |
| KS | 74 |
| CO | 26 |
| IL | 17 |
| OK | 4 |
| OH | 3 |
| TX | 3 |
| GA | 2 |
| AR | 2 |
| FL | 1 |
Top franchise brands financed
21 franchise loans across 16 distinct brands.
| Franchise | Loans |
|---|---|
| Carquest | 3 |
| Baskin-Robbins | 2 |
| Five Star Painting | 2 |
| That 1 Painter | 2 |
| Crushr | 1 |
| Plato's Closet | 1 |
| Century 21 | 1 |
| BLUSH Boot Camp | 1 |
| Corporate Cleaning Group | 1 |
| The Tutoring Center | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.