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    Affordable financing for
    Missouri small businesses

    Funding business dreams,
    revitalizing communities

    Connect with a Local Lender
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    Who we serve in Missouri

    Since 2019, DreamSpring has provided the funding and support that help Missouri small businesses start and scale. From the historic riverfront commerce of St. Louis and the tech and food scenes in Kansas City to the growing business communities in Springfield, Columbia, and Independence, we offer affordable small business loans for growth — even if you’ve been overlooked by traditional banks before. 

    Whether you’re launching a new startup in the Ozarks, expanding your boutique in a college town, or scaling a service business in the metro outskirts, we're ready to help with practical financial tools. Our mission is to increase access to Missouri small business financing and resources, so that every entrepreneur in the Show-Me State has the opportunity to put their vision to work. 

    Micro and Small Businesses
    Startup Businesses
    Nonprofit Organizations
    Solo Entrepreneurs

    Serving the unique needs of Missouri 

    Many entrepreneurs in Missouri struggle to find affordable financing, especially for small businesses in startup or growth modes.
    Challenge in Missouri

    Limited access to fair, affordable credit

    Our Repsonse

    Flexible terms from local lenders who understand your goals

    Challenge in Missouri

    Fewer financial resources in rural and underserved areas

    Our response

    Community-based lending with free technical assistance

    Challenge in Missouri

    Limited options for startup and growth

    Our response

    Working capital, equipment loans, and lines of credit

    DreamSpring Businesss Loans in Missouri

    Loan options and services may vary by location to meet local business needs. 

    Power Line of Credit

    $1,000 to $100,000

    This loan is best for...

    Entrepreneurs looking for a flexible line of credit to support their business.

    LEARN MORE

    Small Business Loan

    $1,000 to $250,000+

    This loan is best for...

    Entrepreneurs who need customized funding to start or grow their business.

    LEARN MORE

    Ready, Set, Grow! Loan

    Up to $15,000

    This loan is best for...

    Entrepreneurs who want to turn a passion project or side hustle into a full-fledged small business.

    LEARN MORE

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    Missouri dreams come true

    Customer Photo of Jason Jackson

    Jason Jackson

    Owner of Jaxson Enterprise Exterior Specialist in St. Louis, Missouri

    Read Story >
    Customer Photo of Toni Remick

    Toni Remick

    Owner of Tails and Topknots in Olathe, Kansas

    Read Story >
    Customer Photo of Jeremy Lockett

    Jeremy Lockett

    Owner of Jay FabWerks in Kansas City, Missouri

    Read Story >

    How to start a business in Missouri

    Step 1: Register your business.

    • Register your LLC, Corporation, or Partnership with the Missouri Secretary of State. If you are operating as a sole proprietorship under a name other than your own, you must also register a "Fictitious Name" (DBA) with the state.

    Step 2: Get your federal tax ID (EIN).

    • Obtain your EIN through the IRS. This is a critical step for separating your personal and business finances and is required for hiring employees.

    Step 3: Register with the Department of Revenue.

    • Register for a Missouri tax identification number through the Missouri Department of Revenue. This covers sales and use tax, as well as employer withholding tax for your team.

    Step 4: Verify licensing and permit requirements.

    • Missouri does not have a "general" state business license, but requirements vary significantly by industry and city. Check the Missouri Business Portal to identify specific state-regulated professions and link to local city/county permit offices.

    Step 5: Secure funding and resources with DreamSpring.

    MO State highlight Map

    99.4% of businesses in Missouri are small businesses!

    How do I apply?

    Let's get started.

    You can start our online loan application from your computer or mobile device. From there, you’ll share information about you and your small business. Based on the information you share, we’ll provide a decision with rates, terms, and details. You can finalize the loan process and sign your loan documents online. We’ll then send the money you need for your business!

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    What documents are required for a DreamSpring loan application?

    Getting ready to apply? Depending on the amount you're requesting, we'll need different documents to complete your loan application. Check out the lists below to prepare ahead of time. If you have questions or want to connect with a lender, we're happy to help. Contact us!

    For loan requests up to $14,999 — we’ll need:

    • A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf. 

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    For loan requests $15,000 to $49,999 — we’ll need: 

    •  A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf.

    • A business profit and loss statement

    • Your most recent year of personal and business tax returns

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    • If you have wage income: your two most recent paystubs

    • If your business carries debt not reflected in your other documents: a business debt schedule

    For loan requests $50,000 to $99,999  — we’ll need:   

    • A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf.

    • A business profit and loss statement

    • Two of your most recent years of personal and business tax returns

    • A personal financial statement

    • A business balance sheet

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    • If you have wage income: your two most recent paystubs

    • If your business carries debt not reflected in your other documents: a business debt schedule

    • If your business has been open for less than two years: a formal business plan with three years of financial projections

    For loan requests above $100,000 — we’ll need:   

    • A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf.

    • A business profit and loss statement

    • Three of your most recent years of personal and business tax returns (if applicable)

    • A personal financial statement

    • A business balance sheet

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    • If you have wage income: your two most recent paystubs

    • If your business carries debt not reflected in your other documents: a business debt schedule

    • If your business has been open for less than two years: a formal business plan with three years of financial projections

    Missouri resources and partnerships

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    Attend a workshop, apply for grants, and find organizations in New Mexico that are invested in seeing your business succeed.

    Get in touch!

    A DreamMaker is ready to help.