Missouri: business records and regulators
Where to look a business up in Missouri, where to search the UCC filings against it, and the offices that regulate banks, lenders and securities there.
Last checked: November 1, 2026Links only: nothing you search for reaches us
Each link opens the state's own site in a new tab, so what you type there goes to that site, not to us. Some state searches charge a fee or ask you to make an account. Privacy
Missouri records and regulators
Business search
Look a business up in the state's register of businesses.
Missouri Secretary of State: Search for a Business Entity (opens in a new tab)
The search takes a business name, registered agent name or charter number.
UCC search
Find the UCC filings against a business: the financing statements lenders file to record a lien on its assets, such as a blanket lien.
Missouri Secretary of State: Online UCC Filing System (opens in a new tab)
The UCC Division says every customer needs an account to file a UCC lien or to run any UCC search.
Banking and lending regulator
Oversees the banks the state charters. Check its site for the lender and broker licenses the state requires.
Securities regulator
The state office for securities offerings, brokers and investment advisers.
Find a lender in Missouri
Official lists of the lenders that work in Missouri. Each opens on its own site, filtered to Missouri where the list allows it.
SBA 504 lenders (Certified Development Companies) (opens in a new tab)
The nonprofit lenders that make SBA 504 loans for property and big equipment, from the SBA's own list, filtered to the state.
SBA microloan lenders (opens in a new tab)
Nonprofit lenders that make SBA microloans of up to $50,000, from the SBA's own list, filtered to the state.
SBA Lender Match (opens in a new tab)
The SBA's own matching tool: you answer a few questions about your business on its site, and two business days later it gives you a list of the lenders interested; some may contact you. It is not a loan application. What you type goes to the SBA and those lenders, not to us.
Certified CDFIs (community lenders) (opens in a new tab)
The CDFI Fund's list of every certified community development financial institution (CDFI): loan funds, banks and credit unions. Download the list and sort it by the State column.
The FDIC's BankFind: search for the banks with offices in the state.
Credit unions (opens in a new tab)
The NCUA's credit union locator. Credit unions lend to their members, so check who can join.
Before you sign with any lender, check it is licensed: see the banking and lending regulator above, and Check a lender or platform. A few national lenders and platforms are named, with how they were chosen, in the provider directory.
State rules for Missouri on our route pages
- Accounts receivable financing: A lender that makes more than five commercial financing deals a year with Missouri businesses must disclose, at or before signing a deal of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. Banks and credit unions are not covered. Brokers must register with the Division of Finance and hold a $10,000 bond. The attorney general enforces the law; it gives you no right to sue. (Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law)
- Business line of credit: A lender that makes more than five commercial financing deals a year with Missouri businesses must disclose, at or before signing a line of credit of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. Banks and credit unions, financing secured by real property, and leases are not covered. Brokers must register with the Division of Finance and hold a $10,000 bond. The law's start date was February 28, 2025, unless the Division chose to make rules first; the Division publishes the registration form under it. The attorney general enforces the law; it gives you no right to sue. (Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law; Missouri Division of Finance: consumer credit licensing (commercial financing registration and bond forms))
- Business line of credit: A lender and a business can agree in writing any rate of interest, fees and terms on a loan to a corporation, partnership or LLC, or on credit mainly for a business or a farm. Missouri's consumer credit lender license covers only loans for personal, family or household purposes, not business loans. (Revised Statutes of Missouri 408.035: unlimited interest, when allowed; Missouri Revised Statutes 367.100: definitions (consumer credit loans, lender); Missouri Revised Statutes 367.110: license required)
- Commercial real estate loans: The state's commercial financing disclosure law does not cover financing secured by real property, so a commercial real estate loan comes without its cost disclosure. Ask the lender for the rate, fees and total cost in writing. (California Financial Code, Division 9.5: Commercial Financing Disclosures (sections 22800 to 22807); New York Financial Services Law section 802: exemptions; Utah Code 7-27-102: application of the Commercial Financing Registration and Disclosure Act; Florida Statutes 559.9612: scope of the Florida Commercial Financing Disclosure Law; Georgia SB 90 (2023), as passed (Act 78): O.C.G.A. 10-1-393.18(b); Kansas Statutes 75-785: exceptions to the Commercial Financing Disclosure Act (2024); Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law)
- E-commerce and payment platform finance: A provider that makes more than five commercial financing deals a year with Missouri businesses must disclose, at or before signing a deal of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. The law covers purchases of a business's receivables as well as loans. Banks and credit unions, financing secured by real property, and leases are not covered. Brokers must register with the Division of Finance and hold a $10,000 bond. The law's start date was February 28, 2025, unless the Division chose to make rules first; the Division publishes the registration form under it. The attorney general enforces the law; it gives you no right to sue. (Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law; Missouri Division of Finance: consumer credit licensing (commercial financing registration and bond forms))
- Equipment loans and finance agreements: These states' commercial financing disclosure laws do not cover leases, or loans used to buy the equipment that secures them (purchase money loans), so equipment finance is usually outside them. (Florida Statutes 559.9612: scope of the Florida Commercial Financing Disclosure Law; Georgia SB 90 (2023), as passed (Act 78): O.C.G.A. 10-1-393.18(b); Kansas Statutes 75-785: exceptions to the Commercial Financing Disclosure Act (2024); Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law)
- Equipment loans and finance agreements: A lender and a business can agree in writing any rate of interest, fees and terms on a loan to a corporation, partnership or LLC, or on credit mainly for a business or a farm. Missouri's consumer credit lender license covers only loans for personal, family or household purposes, not business loans. (Revised Statutes of Missouri 408.035: unlimited interest, when allowed; Missouri Revised Statutes 367.100: definitions (consumer credit loans, lender); Missouri Revised Statutes 367.110: license required)
- Equipment leasing and sale-leaseback: These states' commercial financing disclosure laws do not cover leases, so equipment leases come without a state cost disclosure. Ask for the total of all payments in writing. (Florida Statutes 559.9612: scope of the Florida Commercial Financing Disclosure Law; Utah Code 7-27-102: application of the Commercial Financing Registration and Disclosure Act; Georgia SB 90 (2023), as passed (Act 78): O.C.G.A. 10-1-393.18(b); Kansas Statutes 75-785: exceptions to the Commercial Financing Disclosure Act (2024); Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law)
- Invoice factoring: A factor that makes more than five commercial financing deals a year with Missouri businesses must disclose, at or before signing a deal of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. For an agreement to buy many invoices over time, the factor can base the disclosure on an example invoice of $10,000. Banks and credit unions, financing secured by real property, and leases are not covered. Brokers must register with the Division of Finance and hold a $10,000 bond. The law's start date was February 28, 2025, unless the Division chose to make rules first; the Division publishes the registration form under it. The attorney general enforces the law; it gives you no right to sue. (Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law; Missouri Division of Finance: consumer credit licensing (commercial financing registration and bond forms))
- Merchant cash advance: A provider that makes more than five commercial financing deals a year with Missouri businesses must disclose, at or before signing an advance of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. The law covers purchases of a business's receivables, including card receivables, as well as loans. Banks and credit unions, financing secured by real property, and leases are not covered. Brokers must register with the Division of Finance and hold a $10,000 bond. The law's start date was February 28, 2025, unless the Division chose to make rules first; the Division publishes the registration form under it. The attorney general enforces the law; it gives you no right to sue. (Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law; Missouri Division of Finance: consumer credit licensing (commercial financing registration and bond forms))
- Online business loans: A lender that makes more than five commercial financing deals a year with Missouri businesses must disclose, at or before signing a deal of $500,000 or less, the funds provided, the amount actually paid out, the total you will repay, the total dollar cost, the payments and any prepayment costs. No APR is required. An online platform that arranges loans from a partner bank counts as a provider, even though banks and credit unions themselves are exempt. Brokers must register with the Division of Finance and hold a $10,000 bond. The law's start date was February 28, 2025, unless the Division chose to make rules first; the Division publishes the registration form under it. The attorney general enforces the law; it gives you no right to sue. (Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law; Missouri Division of Finance: consumer credit licensing (commercial financing registration and bond forms))
- Online business loans: A lender and a business can agree in writing any rate of interest, fees and terms on a loan to a corporation, partnership or LLC, or on credit mainly for a business or a farm. Missouri's consumer credit lender license covers only loans for personal, family or household purposes, not business loans. (Revised Statutes of Missouri 408.035: unlimited interest, when allowed; Missouri Revised Statutes 367.100: definitions (consumer credit loans, lender); Missouri Revised Statutes 367.110: license required)
- Revenue-based finance: A provider that makes more than five commercial financing deals a year with Missouri businesses must disclose, at or before signing a deal of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. The law covers purchases of a business's receivables as well as loans. Banks and credit unions, financing secured by real property, and leases are not covered. Brokers must register with the Division of Finance and hold a $10,000 bond. The law's start date was February 28, 2025, unless the Division chose to make rules first; the Division publishes the registration form under it. The attorney general enforces the law; it gives you no right to sue. (Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law; Missouri Division of Finance: consumer credit licensing (commercial financing registration and bond forms))
- Spot factoring (single invoices): A factor that makes more than five commercial financing deals a year in the state, and is not a bank or credit union, must disclose before or when you sign the funds you get, the total you will pay, the total dollar cost, the payments and any prepayment costs, for deals of up to $1 million in Utah and $500,000 in the other states. No APR is required. Utah also requires the factor to register with the state. (Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure Act; Florida Statutes, chapter 559, part XIII: Florida Commercial Financing Disclosure Law (559.961 to 559.9615); Georgia SB 90 (2023), as passed (Act 78): commercial financing disclosures, O.C.G.A. 10-1-393.18; Kansas Statutes 75-784: required disclosures (2024); Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law)
Sources
- Missouri Secretary of State, Business Filings: Search for a Business Entity · checked November 1, 2026
- Missouri Secretary of State: Welcome to the Missouri Online UCC Filing System (important notice) · checked November 1, 2026
- Missouri Division of Finance: home page (banks and trusts, consumer credit lenders, mortgage licensing) · checked October 20, 2026
- Missouri Secretary of State: Investor Protection & Securities (the Commissioner of Securities and the Securities Division) · checked November 1, 2026