The Callaway Bank

The Callaway Bank is an independently owned community bank serving mid-Missouri. Its commercial real estate lending covers property acquisition, expansion, renovation, refinancing, construction, and development, and the named property types run from multi-family and investment property to spec buildings, industrial, office space, and agriculture.

Lending decisions are made in mid-Missouri by lenders who live in the markets they serve, which the bank ties to faster answers. Borrowers can pre-qualify for a business loan online or contact a named commercial lender directly; the lender roster lists officers with their NMLS numbers, based in Fulton, Ashland, and two Columbia offices. On loan size the bank says it works from small renovations up to multi-million dollar developments.

The wider business bank includes SBA loans, equipment and machinery loans, business credit cards, agricultural lending covering farmland and ag real estate, livestock, crops, and implements, plus cash management: remote check deposit with a 5:00 p.m. cut-off for same-day credit, ACH origination, wires, and zero balance sweep accounts. Merchant services are delivered through partnerships with BancCard of America and Autobooks, with no contract or lease options and next-day funding.

The bank dates itself to 1857 and describes more than 160 years serving mid-Missouri. Rates, loan minimums, loan-to-value limits, recourse terms, and cash-out policy are not published on the commercial real estate page; ask a commercial lender.