Missouri MOBUCK$ Linked Deposit Program — Small Business
Missouri State Treasurer's Office
~2-3% rate cut
Researched for this program: 5 rejection traps · 5 required documentsWhat decides this award ↓
MO low-interest linked-deposit loans
MOBUCK$ is the Missouri State Treasurer's linked-deposit program: the Treasurer's Office places a low-interest deposit with a participating Missouri lender, and in exchange the lender passes a reduced interest rate — typically about 2-3 percentage points lower — to the small-business borrower. The business applies through one of 140+ participating lenders (350+ branches statewide), and the linked deposit runs as a one-year term renewable annually for up to five years. The program is for-profit Missouri small businesses with fewer than 100 full-time employees. Missouri lawmakers expanded the overall MOBUCK$ deposit cap to $1.2 billion (from $800 million), and the program has seen 'extraordinary demand' — roughly $583.8 million approved in the program year ended Sept. 30, 2024.
- Funding type
- Loan
- Level
- State
- Amount range
- ~2-3% rate cut
- Realistic amount
- The borrower's benefit is the rate reduction (~2-3%), not a fixed grant amount. Actual loan sizes are set by the participating lender and the business's needs; most MOBUCK$ small-business loans are conventional small-business loan amounts (tens of thousands to a few hundred thousand dollars) with the interest savings layered on top.
- Deadline
- Application portal closed until further notice (Missouri Treasurer); watch the Treasurer's site for a reopening date
- Status
- paused
- States
- Missouri
- Payment model
- loan
Who qualifies
- Business must be headquartered in Missouri and maintain operations and transact business in Missouri
- Business must employ fewer than 100 full-time employees
- Business must be organized for profit
- Business must currently owe no unpaid, non-protested taxes to the State of Missouri or any political subdivision
- Business must have no unresolved environmental compliance issues with the Missouri Department of Natural Resources
- Loan must be made through a participating MOBUCK$ lender
What it covers
Eligible expenses
- Inventory
- Operational expenses (rent, utilities, insurance, taxes)
- Professional fees
- Equipment acquisition
- Facility improvements
- Real estate purchases
Ineligible expenses
- Uses outside the participating lender's approved loan purposes
- Non-business / personal expenses
How to apply
-
1
Confirm small-business eligibility
Verify the business is Missouri-headquartered, for-profit, has fewer than 100 full-time employees, owes no unpaid Missouri taxes, and has no unresolved DNR environmental issues.
~1 hrs
-
2
Find and approach a participating lender
Identify one of the 140+ participating MOBUCK$ lenders (350+ branches). Apply for your business loan with that lender and ask them to seek a MOBUCK$ linked deposit to lower your rate.
~3 hrs
-
3
Lender applies for the linked deposit
The lender underwrites the loan and submits the MOBUCK$ linked-deposit application to the Treasurer's Office. The lender must have a fully executed depositary contract with the state.
~2 hrs
-
4
Close the loan with the reduced rate
Once the linked deposit is approved, the lender closes the loan and passes the ~2-3% rate reduction to you. The linked deposit renews annually for up to five years.
~2 hrs
MOBUCK$ isn't a separate loan you apply for — it's a rate discount layered onto a loan you're already getting from a participating bank. The move is to bring it up with your lender before they price your loan, and to pick a lender that actively uses the program (not all 140+ are equally active). Because the program is capped and demand is high, ask early about current linked-deposit availability.
Deadline & timing
There is no application deadline. A business works with a participating MOBUCK$ lender, which applies for the linked deposit on the loan. The Treasurer's Office must have a fully executed depositary contract with the lender before placing deposits. Because the program has a fixed statewide cap (expanded to $1.2B) and 'extraordinary demand,' available linked-deposit capacity can fluctuate.
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