Lindworth Investments, LLC (“Lind-worth”), and Paul Vogel (“Vogel”) appeal the summary judgment granted by the Circuit Court of Pettis County, Missouri (“trial court”), in favor of Big A, LLC (“Big A”). On appeal, Lindworth and Vo-gel claim that the trial court erred in granting summary judgment to Big A because section 432.0401 does not apply to *341the fraudulent misrepresentations that Lindworth and Vogel allege to have been made by Big A’s predecessor in interest and upon which Lindworth and Vogel relied in executing the promissory notes that were the subject of Big A’s lawsuit. We reverse the judgment of the trial court and remand for further proceedings consistent with this opinion.
Factual and Procedural Background
Viewing the facts in the light most favorable to the non-movants,2 as we must, they are as follows:
Vogel is the manager of Lindworth, an investment company. Lindworth and/or Vogel had done business with Excel Bank (“Bank”) in the past and trusted Bank’s officers. In June of 2010, Shaun Hayes (“Hayes”)) an officer and director of Bank, contacted Vogel about an investment op- • portunity. Vogel met Hayes and another bank officer named Timothy Murphy (“Murphy”) in one of Bank’s offices.
At the meeting, Hayes and Murphy told Vogel that Bank had made certain loans to an entity known as Eighteen Investments, Inc. (“Eighteen”). The loans were evidenced by promissory notes (“the Eighteen promissory notes”) and were secured by real property in Arizona. Hayes and Murphy told Vogel that Bank wanted to get the loans to Eighteen off of its books for regulatory reasons and that it would sell the notes to Vogel and/or Lindworth for an amount less than the note balances. They fraudulently misrepresented to Vogel that the value of the Arizona real estate exceeded the balance due on the notes. They also fraudulently misrepresented to Vogel that a property manager was managing the Arizona real estate and that the rents coming in would more than service the debt.
Lindworth and Vogel relied upon these misrepresentations, and on June 29, 2010, Lindworth, through Vogel, executed promissory notes (“the Lindworth promissory notes”) borrowing money from Bank with which Lindworth either purchased the Eighteen promissory notes from Bank or purchased the real property from Eighteen (the pleadings in the record indicate both scenarios in different places, and the exact sequence of transactions is unclear). Vogel served as guarantor of the Lind-worth promissory notes. The rents for the Arizona properties were assigned to Bank. A few months later, Bank called Vogel and notified him that no payments had been made on the Lindworth promissory notes for some time. Vogel learned for the first time that no property manager handled the Arizona properties, no rent was being collected and forwarded to Bank, rental income was not sufficient to service the debt on the Lindworth notes, and the balance due on the Lindworth notes far exceeded the value of the Arizona property.
Bank subsequently assigned the Lind-worth promissory notes to Big A.3 Big A sued Lindworth and Vogel, seeking a judgment for the balance due on the unpaid Lindworth promissory notes plus interest, late fees, collection costs, court costs, and attorneys’ fees. Lindworth and Vogel ad*342mitted executing and guarantying, respectively, the Lindworth notes. In their amended answer, however, Lindworth and Vogel pled the affirmative defenses of fraud in the inducement, negligent misrepresentation, breach of the covenant of good faith and fair dealing, and unclean hands. Big A filed a motion for summary judgment, arguing, inter alia, that sections 432.040 and 432.047, each of which is in the nature of a statute of frauds, prohibit Lindworth and Vogel from relying upon Hayes’s and Murphy’s claimed oral fraudulent misrepresentations regarding the Arizona property to support their affirmative defenses to Big A’s suit on the Lindworth notes.
The trial court granted summary judgment to Big A, first concluding that Lind-worth’s and Vogel’s affirmative defense of unclean hands failed as a matter of law because unclean hands is an equitable defense unavailable for actions at law.4 The trial court then concluded that Lindworth’s and Vogel’s remaining affirmative defenses were barred by section 432.040, because the misrepresentations that induced Lind-worth and Vogel to enter into the subject transactions with Bank were not in writing.5 Because the trial court concluded that all of Lindworth’s and Vogel’s affirmative defenses failed as a matter of law, it granted summary judgment in favor of Big A in the amount of $369,309.88, plus post-judgment interest. Lindworth and Vogel appeal the trial court’s summary judgment only as to their affirmative defense of fraudulent misrepresentation.6
Standard of Review
Appellate review of summary judgment is essentially de novo. Brehm v. Bacon *343Twp., 426 S.W.3d 1, 3 (Mo. banc 2014); ITT Commercial Fin. Corp. v. Mid-Am. Marine Supply Corp., 854 S.W.2d 371, 376 (Mo. banc 1993). Summary judgment is appropriate when “there is no genuine issue as to any material fact and ... the moving party is entitled to judgment as a matter of law.” Rule 74.04(c)(6).
Analysis
In their single point on appeal, Lindworth and Vogel claim that the trial court erred in granting summary judgment because section 432.040, which served as the basis for the trial court’s grant of summary judgment, is inapplicable to the fraudulent misrepresentations that Bank officers made to Vogel to induce Lindworth to execute the Lindworth promissory notes and Vogel to serve as guarantor. Section 432.040 states, in its entirety:
No action shall be brought to charge any person upon or by reason of any representation or assurance made concerning the character, conduct, credit, ability, trade or dealings of any other person, unless such representation or assurance be made in writing, and subscribed by the party to be charged thereby, or by some person thereunto by him lawfully authorized.
(Emphasis added.) “The primary rule of statutory construction is to ascertain the intent of the lawmakers from the language used, to give effect to that intent if possible, and to consider the words used in the statute in their plain and ordinary meaning.” Estes v. Cole Cnty., 437 S.W.3d 307, 312 (Mo.App.W.D.2014) (internal quotation omitted).
Big A argued below, and the trial court agreed, that the alleged oral fraudulent misrepresentations that Bank officers made to Vogel all concerned the credit of Eighteen, and therefore, Lindworth and Vogel cannot rely upon them to support their affirmative defenses of fraudulent inducement and/or misrepresentation. We conclude that Big A and the trial court have misconstrued the nature and applicability of section 432.040.
First, conspicuously unlike the other statutory provision upon which Big A relied below, section 432.047.2, which applies to “an action ... or a defense,” the plain language of section 432.040 limits application to “action[s] ” that “shall be brought.” The only action brought in the present lawsuit is Big A’s action against Lind-worth and Vogel to recover on the Lind-worth promissory notes. The claimed fraudulent misrepresentations were not asserted by Lindworth and Vogel in a counterclaim but, instead, were asserted as support 'for affirmative defenses to Big A’s claims. Big A presents us with no authority, nor have we found any such precedent, applying section 432.040 to bar a claimed affirmative defense of fraudulent misrepresentation. Given the plain, ordinary, and unambiguous language of section 432.040, we conclude that section 432.040 only applies to “actions” and not “defenses.” Thus, we conclude that Lindworth and Vo-gel’s affirmative defense of fraudulent inducement is not barred by section 432.040.
Second, section 432.040 has been held to apply “only to such cases wherein the purpose of the representation is to enable a third person to obtain credit.”7 Singman v. Kotsrean Realty, Inc., 107 S.W.2d 196, 199 (Mo.App.1937). Clearly, that is not the present factual scenario. Eighteen Investments is the entity to whose credit Big A argues that the alleged misrepresenta*344tions relate. But Bank was not attempting to entice Lindworth or Vogel to grant credit to Eighteen. Eighteen had already obtained the credit it needed to buy the Arizona properties. Instead, Bank was trying to entice Lindworth and Vogel to execute new promissory notes with Bank, based upon Lindworth’s and Vogel’s own credit, to either purchase the Eighteen promissory notes from Bank or to purchase the Arizona real property from Eighteen. In other words, one way or another, Bank used the fraudulent misrepresentations to induce Lindworth and Vogel to substitute their own good credit for that of the poor credit of Eighteen. Again, Big A points to no precedent where, with a similar factual scenario, section 482.040 or its predecessor has been used to prohibit evidence of fraudulent oral misrepresentations made to entice a party to take on its own debt to the benefit of the party making the false statements. Consistent with the ruling in Singman, then, we conclude that section 482.040 does not bar the claimed affirmative defense of fraudulent misrepresentation under the factual scenario with which we are presented in this case.
Lindworth’s and Vogel’s point on appeal is granted.
Conclusion
The trial court erred in granting summary judgment in favor of Big A. We therefore reverse the judgment of the trial court and remand for further proceedings consistent with this opinion.
Victor C. Howard, Presiding Judge, and Gary D. Witt, Judge, concur.