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Southern Bank (MO)

Southern Bank is your local bank in Missouri, Arkansas & Illinois with the capabilities you need in a modern bank. From here we can do anything. Get started today.

7a General
Existing or more than 2 years old
New Business or 2 years or less
SBA Express Program
Variable Rates
SBA Loan Approvals as of Fiscal Year End 2025 14
SBA Loans Total Approval Amount as of Fiscal Year End 2025 $3,252,200
Average SBA Loan Size as of Fiscal Year End 2025 $232,300
Average SBA Loan Rate over Prime (Prime is 6.75%) 2.75
Southern Bank (MO)

Unlock Your Financial Potential with Southern Bank (MO)

Southern Bank, headquartered in Poplar Bluff, Missouri, is a strong community bank serving small businesses across Missouri, Arkansas, and Illinois. Known for personalized service, fast local decision-making, and competitive business lending solutions, Southern Bank offers a robust suite of commercial products — including SBA loan programs — to help entrepreneurs start, build, and grow successful companies.

Key Features of Southern Bank (MO)

  • Comprehensive Business Banking
    Southern Bank provides business checking & savings accounts, merchant services, treasury management, ACH/wire tools, and digital banking that empower business owners to manage operations efficiently.

  • SBA Loan Expertise
    Southern Bank participates in the U.S. Small Business Administration’s SBA 7(a) and 504 loan programs, helping business owners access government-backed financing for:

    • Working capital
    • Commercial real estate purchases
    • Equipment and machinery
    • Business expansion or renovations
    • Business acquisition or partner buyouts
  • Local Commercial Lending Solutions
    In addition to SBA loans, Southern Bank offers:

    • Business term loans
    • Operating lines of credit
    • Commercial real estate financing
    • Construction loans
    • Equipment financing
    • Agricultural lending
  • Modern Digital Banking Tools
    Business customers can securely access their finances with:

    • Online & mobile business banking
    • Remote deposit capture
    • ACH & payroll tools
    • eStatements
    • Treasury-style cash-flow dashboards
  • Industry Expertise
    Southern Bank supports a wide range of Missouri industries including agriculture, construction, retail, hospitality, healthcare, transportation, and manufacturing.

  • Deep Commitment to Local Communities
    With strong community roots, Southern Bank invests in regional economic development, small-business programs, financial education, and local nonprofit initiatives.

Why Choose Southern Bank for SBA Loans?

Southern Bank blends relationship-driven community banking with strong commercial lending capabilities.
Entrepreneurs benefit from:

  • Experienced SBA lending specialists
  • Faster loan decision timelines
  • Local underwriting & personalized support
  • Competitive SBA rates and flexible structures
  • Deep understanding of Missouri’s economic landscape

Whether acquiring a business, expanding a facility, purchasing equipment, or refinancing existing debt, Southern Bank’s SBA loan programs provide long-term, affordable financing to support sustainable growth.

How to Get Started

Ready to explore SBA financing or another commercial loan option? Visit the
Southern Bank Business Banking page
to review available loan products, check eligibility, and connect with a Missouri-based commercial lending expert.

Empower your financial future today with Southern Bank — where entrepreneurs gain the capital, partnership, and support they need to thrive.

Industry