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First Bank of the Lake

Osage Beach, MO 65065

⭐ SBA Preferred Lender
2,206
Loans Approved
$1.8B
Total Volume
$811K
Avg Loan Size
52
States Served

States Served

AlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaPRRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming

Top Industries Financed

  • Fitness and Recreational Sports Centers
  • Limited-Service Restaurants
  • Snack and Nonalcoholic Beverage Bars
  • Child Day Care Services
  • Residential Remodelers

Quick Summary

First Bank of the Lake is an SBA-approved lender headquartered in Osage Beach, Missouri. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 2,206 SBA 7(a) loans totaling $1.8B, with an average loan size of $811K. They serve businesses across 52 states.

About First Bank of the Lake

First Bank of the Lake is an SBA-approved lender headquartered in Osage Beach, Missouri. Since 2020, they have approved 2,206 SBA 7(a) loans totaling $1.8B, with an average loan size of $811K. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They serve businesses across 52 states.

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Helpful SBA Borrower Guides

SBA 7(a) RequirementsDocuments ChecklistHow to Choose a Lender

Frequently Asked Questions

Is First Bank of the Lake an SBA Preferred Lender?

Yes, First Bank of the Lake is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.

How many SBA loans has First Bank of the Lake approved?

According to SBA FOIA public records, First Bank of the Lake has approved 2,206 SBA 7(a) loans totaling $1.8B since 2020. Their average loan size is $811K.

What states does First Bank of the Lake serve?

First Bank of the Lake serves businesses in 52 states: Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, PR, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming.

How do I apply for an SBA loan with First Bank of the Lake?

To apply for an SBA 7(a) loan with First Bank of the Lake, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.

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