Commercial Loans & Business Funding in St. Louis, MO
Senior banker underwriting matched to the right lender in 24 hours. SBA, working capital, equipment, and commercial real estate. One call, one file, transparent pricing.
Every major commercial financing program, under one roof
From same-day working capital to 25-year SBA real estate loans, we shop your file to the lenders most likely to say yes at the best terms.
Long-term, low-payment capital for established St. Louis businesses.
The workhorse SBA program: working capital, acquisitions, real estate, and debt refinance.
Revolving capital on demand — draw only what you use.
Cover payroll, inventory, and seasonal gaps without disrupting operations.
A full menu of financing for St. Louis small businesses, matched to your file.
Fast, fixed-payment capital for 3–24 month projects and opportunities.
Specialized financing for the St. Louis economy
Dentists on The Hill. Contractors in Chesterfield. Trucking fleets out of Riverport. We speak your P&L before you send it.
Practice acquisitions, buildouts, and equipment for St. Louis dentists.
Financing for St. Louis physicians, surgeons, and specialty groups.
Capital for St. Louis restaurants, from The Hill to South Grand.
Factoring, equipment, and working capital for Missouri carriers.
Ground-up and value-add construction financing across the metro.
Acquisition, refinance, and PIP financing for Missouri hotels.
Senior bankers. St. Louis roots.
We're headquartered on Bonhomme Ave in Clayton and we spend our days on the phone with underwriters across a 75-lender panel. That means you get straight answers, transparent pricing, and a shortlist of the offers most likely to close.
- No upfront fees
- Soft credit only for quotes
- Multiple offers in 24 hours
- One point of contact for the life of the loan
From the Arch to Clayton — capital for the operators who build St. Louis.
Every file reviewed by a senior banker.
No junior processors, no black-box scoring. Your deal is packaged by someone who has been on the credit side of the table, then walked into the right lender on the panel with your story already told.
From intake to funded in as little as 24 hours
15-minute call to understand the use of proceeds and your file.
We shop your deal against 75+ lenders and shortlist the best fits.
You review 2–3 offers side-by-side with our commentary.
We manage docs and underwriting through funding.
What Missouri operators say
★★★★★"Hawthorne restructured two high-cost advances into a single SBA loan and cut our monthly debt service by more than half. Straight talk, no surprises."
★★★★★"We needed to close an acquisition in six weeks. Hawthorne got the SBA 7(a) done in 38 days with a lender we'd never have found on our own."
★★★★★"A walk-in cooler died on a Thursday. Hawthorne wired us funds Friday morning before the weekend rush. That's the kind of speed that saves a season."
★★★★★"As a woman-owned firm, I wasn't sure what would fit. They walked me through three options and we settled on an unsecured line that scales with us."
Talk to a senior banker today
Free, no-obligation quote in 24 hours. Soft credit only. We only earn if you fund.