Business owners discussing SBA financing options with an OakStar Bank lender.

SBA Loans

Relationship-first SBA lending.

Experience government-guaranteed lending that's straightforward, aligned with your long-term plans, and designed to move your business forward. 

As an SBA Preferred Lender,* we process loan decisions in house, eliminating delays and simplifying the approval process. You'll have clear direction, responsive support, and financing built around your goals. 

*According to the National Association of Government Guaranteed Lenders.

Talk With a Lender


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Responsive communication, tailored solutions 

An SBA lending process designed around you.

Whether you’re purchasing a business, investing in new property, or transitioning ownership, we’ll clarify your options so you can confidently choose what’s best for your future.
From first conversation to closing, you’ll work with a lender who takes time to understand your goals and keep you informed. 
Expect clear communication, thoughtful questions, and a loan structure designed to support your business and cash flow.














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 SBA solutions to support your next step.

SBA 7(a) loans offer flexibility, longer repayment terms, and lower upfront requirements that make them an excellent option for most small businesses—and they can also provide financing when traditional lending may not be the right fit. They can support:  

Continuity


Acquisition or owner transition

Growth


Expansion or renovation 

Ownership


Commercial real estate purchases

Scale


Franchise development

Stability


Working capital and cash flow 

Efficiency


Existing business debt refinance 

Flexibility


Multi-component projects with unique needs






















Local decisions, fewer delays

Experience a lending process that works for your business. 

As an SBA Preferred Lender, we’re authorized to approve loans in-house, helping your project move quicker from application to funding. You'll work with a team rooted in your community and equipped with deep SBA experience—making the process clearer, faster, and more streamlined. 

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Proud to be named the #1 SBA 7(a) Lender in Missouri and Kansas (FY2024) and #53 in Nation’s Top 100 SBA Lenders. 
According to the National Association of Government Guaranteed Lenders.

Trusted partnership, targeted insight

Gain clarity when it matters most.

Our consultative approach is designed to help you understand your options, prepare effectively, and move forward with a financing strategy built around the goals, challenges, and opportunities specific to your business—both now and over time.

An OakStar Bank team member helping a business owner prepare for SBA financing.
How We Help

Support to help you prepare with confidence.

Your lender will help you gather key information and understand what's needed through the process. We ask thoughtful questions to build a clear picture of your business—so we can recommend the right approach and help you avoid surprises later.

An OakStar Bank team member providing guidance on SBA lending options.
Better Solutions, More Peace of Mind

Clear guidance that helps you move forward.

Our expertise spans SBA, FSA, USDA, and other specialized programs. We’ll help you compare options and determine whether an SBA loan, a traditional loan, or a combination of products offers the strongest structure for your business. 

An OakStar Bank team member building a long-term financing partnership with a business owner.
Here for What's Next

Long-term partnership for your financial journey.

Your lender takes the time to understand the unique dynamics of your business and industry, helping identify solutions that fit your goals today while building a relationship that supports your business well beyond a single transaction.


















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“They explained every step, stayed in close communication, and kept the process moving—even during the build-out. It made everything feel easier.”

—Morgan Godinet, Sugar NYC, Overland Park, KS 

“Their team helped us work through challenges and find solutions that fit our situation. We felt supported the entire way.” 

—Janette Cade, Christine’s Vineyard, Webb City, MO 

























Your next step starts with a conversation. 

Share a few details about your project and we’ll walk you through what comes next.