Business loans in St. Louis, Missouri

Business Loans in St. Louis, MO

One application reaches 70+ lenders who fund St. Louis businesses daily. $10K to $20M+. Soft-pull pre-qual.

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✓All established industries
$20M+
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St. Louis Market

Why St. Louis Businesses Choose Basecamp

St. Louis is the economic anchor of Missouri and a major Midwestern metro. Boeing's defense and aerospace operations employ thousands and drive a deep supply chain of precision manufacturers, machinists, and engineering firms. Anheuser-Busch's global headquarters in south St. Louis anchors one of the largest beverage manufacturing operations in the world. The city's healthcare ecosystem — led by BJC HealthCare, Washington University School of Medicine, and SSM Health — is one of the most sophisticated in the country.

The Cortex Innovation Community is transforming the central corridor into a biotech and tech hub, attracting startups, venture capital, and corporate innovation labs. Square (now Block), Benson Hill, and dozens of health-tech companies operate from the district. Edward Jones in Des Peres and Ameren downtown anchor financial services, while the St. Louis river port handles millions of tons of agricultural and industrial cargo annually.

St. Louis commercial real estate is competitive in the healthcare, industrial, and mixed-use sectors. The metro's affordable cost of living relative to coastal cities attracts relocations, but growth creates capital demands. Manufacturers need equipment upgrades. Healthcare practices need acquisition capital. Restaurants on The Hill and in the Central West End need buildout financing. Businesses that access capital fast capture opportunities their competitors lose waiting on bank approvals.

Real Results

Funded in St. Louis

Real financing scenarios for St. Louis businesses through our lender network.

🏭

Aerospace Manufacturing

$1.8M SBA 504 for a St. Louis precision manufacturer purchasing a 45,000 sq ft facility near Boeing's operations. 10% down. 25-year term. Positioned to expand defense supply chain capacity.

$1.8M funded → 10% down → 45,000 sq ft facility acquired

🏥

Medical Practice

$920K revenue-based capital stack for a St. Louis primary care practice acquisition near Barnes-Jewish Hospital: term loan against $2.1M annual revenue + equipment financing + working capital (see /loans/business-acquisition).

$920K funded → 25 days → BJC corridor practice

🍽️

Restaurant

$420K revenue-based capital stack for a St. Louis The Hill restaurant: equipment financing for the kitchen buildout + working capital against the operator's existing locations (see /loans/business-acquisition).

$420K funded → 19 days → The Hill live

📦

Distribution

$2.8M acquisition of a 55,000 sq ft warehouse near the river port. SBA 504 with 10% down. Food distribution tenant on 7-year lease. DSCR: 1.52x.

$2.8M funded → 10% down → 1.52x DSCR

“We supply precision components to Boeing and needed $1.8M for a larger facility before the next contract cycle. Our bank wanted 80 days. Basecamp structured an SBA 504 at 10% down and closed in 24 days. We won the contract expansion.”

— Precision manufacturer, St. Louis MO

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See What St. Louis Lenders Will Offer You

One application — 60 seconds. 70+ lenders compete. Your dedicated specialist presents your best options.

✓Soft-pull pre-qual
✓No obligation
✓Funded as fast as same day
✓70+ lenders compete for your business
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Estimate Your Capital Range

Slide to your annual gross revenue. We size capital off your top line — not your credit score.

$500K$10M$150M+

Estimated Capital Range

$1M – $1.5M

Based on 10-15% of annual revenue. Lenders return real term sheets once they see your file.

60 seconds · No obligation · Estimate only

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Industries We Fund

Top Industries in St. Louis

🏭

Manufacturing

Boeing, aerospace defense, precision machining. St. Louis manufacturing is anchored by one of the largest defense contractors in the world.

🦷

Healthcare

BJC HealthCare, Wash U Medicine, SSM Health. Practice acquisitions and medical equipment across the metro.

🍽️

Restaurants

The Hill, Central West End, Delmar Loop — St. Louis dining culture drives constant restaurant investment.

📦

Wholesale

River port operations, food distribution, industrial supply chain. St. Louis is a major Midwest distribution node.

🏗️

Construction

Cortex development, healthcare facility expansion, industrial buildouts. St. Louis construction market is active.

⚖️

Attorneys

Corporate law, healthcare compliance, real estate. St. Louis legal market serves one of the largest metros in the Midwest.

Market Data

Cost of Business in St. Louis

Key business cost metrics for St. Louis, MO.

CategorySt. Louis Data
Commercial Rent$18–$30/sq ft (office) · $4–$8/sq ft (industrial)
Average Wages$55,000 median household income
Permits & Licensing$400–$6,000+ depending on scope
Commercial Property Prices$140–$270/sq ft (commercial office)

Why Basecamp

St. Louis vs Going to a Bank

Here's why St. Louis business owners choose Basecamp over their local bank.

CategoryTraditional BankBasecamp Funding
Number of lenders1 bank, 1 answer70+ lenders compete for your business
Application time60–90 minutes in-branch60 seconds online
Time to funding45–90 daysSame day to 30 days
Capital availableLimited to bank's appetiteCapital stacks up to $20M+
Credit requirements700+ FICO typicalRevenue-focused — we evaluate total business performance
Specialist supportLoan officer managing 50+ filesDedicated specialist for your transaction
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Funding Built for Your Stage of Growth

Whether you're a growing startup or a multi-million-dollar operation, we match you with the right product and amount.

🚀

Growing Businesses

$10K – $1M

Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.

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⭐

Established Businesses

$1M – $5M

Structured financing with capital stacking. Dedicated commercial specialist.

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💎

Commercial & Complex

$5M – $20M+

Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts.

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Recommended Products

Best Loan Products for St. Louis Businesses

The most popular funding types for businesses in St. Louis. Each links to a detailed product page.

🏢 Commercial Real Estate

St. Louis's $2.4B CRE market is the largest in Missouri. SBA 504 with 10% down for acquisitions.

View Product Details →

📊 SBA Loans

Lowest rates for acquisitions, property, and major expansions. 10% down for most transactions.

View Product Details →

🔧 Equipment Financing

Aerospace manufacturing equipment, medical devices, distribution infrastructure — the asset is your collateral.

View Product Details →

💰 Working Capital

Bridge cash flow during rapid growth and new location launches. Fund in 1–3 days.

View Product Details →

FAQ

Frequently Asked Questions — St. Louis Business Loans

St. Louis Business Lending — From the Basecamp Team

Our team works with St. Louis business owners every day. Boeing's defense operations drive demand for manufacturing facility acquisitions and equipment financing. BJC HealthCare and Wash U create a massive healthcare practice acquisition market. The Cortex Innovation Community is bringing tech and biotech investment that demands fast commercial financing.

Here's what works in St. Louis: SBA 504 at 10% down for manufacturing facility acquisitions, equipment financing for aerospace supply chain upgrades, and working capital for restaurant launches on The Hill. Check our loan cost calculator to see real numbers.

Bobby Friel, Basecamp Funding Founder

Bobby Friel

Founder, Basecamp Funding

Bobby Friel, Founder of Basecamp Funding

Nearby Markets

Other Missouri Cities We Serve

Click through to see funding scenarios, local industry focus, and commercial financing for businesses in these Missouri metros.

📍 Kansas City

Kansas City is a dual-state metro spanning Missouri and Kansas, creating one of the most dynamic business environments i...

📍 Springfield

Springfield is the third-largest city in Missouri and the economic capital of the Ozarks region. Bass Pro Shops — one of...

📍 Columbia

Columbia is anchored by the University of Missouri (Mizzou) — the state's flagship research university with 30,000+ stud...

📍 Independence

Independence is the fifth-largest city in Missouri and a key suburb in the Kansas City metro's eastern corridor. The cit...

📍 Lee's Summit

Lee's Summit is one of the most affluent and fastest-growing suburbs in the Kansas City metro. The city's population has...

📍 O'Fallon

O'Fallon is one of the fastest-growing cities in Missouri and the largest city in St. Charles County. The population has...

📍 St. Joseph

St. Joseph is the agricultural distribution hub of northwest Missouri. The city's position at the intersection of I-29 a...

📍 St. Charles

St. Charles is the county seat of St. Charles County — one of the fastest-growing and wealthiest counties in Missouri. T...

📍 Blue Springs

Blue Springs is a thriving Kansas City suburb in eastern Jackson County with a population exceeding 55,000. The city off...

🏢 Need Commercial Financing Above $1M?

For capital stacks combining SBA, commercial real estate, equipment, and working capital into one structured package from $500K to $20M+, our commercial team structures the full transaction across multiple lenders.

Explore Commercial Financing →
← Back to Missouri Business Loans

St. Louis Businesses Don't Wait. Neither Should Your Financing.

One application. 70+ lenders compete. Your dedicated specialist presents your best options.

See What You Qualify For

Soft-pull pre-qual · No obligation · 60 seconds