Private Money Lending in Missouri
Missouri is a strong private lending market, with active fix-and-flip and rental markets in St. Louis, Kansas City, and Springfield.
This guide covers the essential legal and compliance considerations for private money lenders originating loans secured by real property in Missouri. Whether you are a local private money lender or expanding into Missouri from another state, understanding these requirements is critical to protecting your investments and ensuring enforceability of your loan documents.
Key Compliance Considerations for Missouri
• Missouri uses deeds of trust and has one of the fastest non-judicial foreclosure processes in the country at 45-60 days
• There is no usury limit for business-purpose loans, making Missouri very lender-friendly
• Missouri has no right of redemption after a trustee's sale (12-month redemption only applies to judicial foreclosure)
• The state requires 20 days' notice before the trustee's sale and publication in a local newspaper for 20 consecutive days
Generate Missouri-Compliant Loan Documents
Automate Loan Docs generates complete, Missouri-specific document packages that comply with all applicable state requirements. Every template is drafted by the attorneys at Geraci LLP, whose team has over 30 years of combined experience advising private money lenders across all 50 states — including extensive experience with Missouri lending transactions.
This guide is for informational purposes only and does not constitute legal advice. Private lending laws are complex and change frequently. Consult with a qualified attorney before originating loans in Missouri. The attorneys at Geraci LLP are available for state-specific legal consultation.
Related: Usury Laws by State | Deed of Trust vs Mortgage | Multi-State Lending Guide | Glossary