Kansas SBA lending, from federal loan records
SBA Lenders Actively Funding Businesses in Kansas
Since FY2020, 239 lenders have funded 2,862 SBA loans worth $1.6B for businesses in Kansas. Borrowers reported 32,836 jobs supported by those loans. Below is who actually writes them, how big they run, and which Kansas businesses get funded.
Most active SBA lenders in Kansas
Ranked by loans funded for Kansas projects since FY2020, not by advertising budget. A lender headquartered elsewhere that funds heavily in Kansas beats a local name that rarely writes SBA loans.
| Lender | Program | KS loans since FY2020 | Since FY2025 | Median loan | Median rate |
|---|---|---|---|---|---|
| Emprise Bank | 7(a) | 156 | 61 | $250K | 7.25% |
| Bank of Hays | 7(a) | 124 | 13 | $103K | 6.38% |
| U.S. Bank, National Association | 7(a) | 124 | 37 | $37K | 8.99% |
| Rural Missouri, Inc. | 504 (CDC) | 80 | 17 | $610K | n/a |
| The Huntington National Bank | 7(a) | 76 | 32 | $248K | 10% |
| Small Business Bank | 7(a) | 75 | 2 | $102K | 7.5% |
| Equity Bank | 7(a) | 74 | 8 | $300K | 7.63% |
| INTRUST Bank National Association | 7(a) | 72 | 24 | $213K | 7.33% |
| OakStar Bank | 7(a) | 69 | 36 | $733K | 9% |
| Commerce Bank | 7(a) | 68 | 20 | $77K | 7.96% |
| Dream First Bank National Association | 7(a) | 65 | 8 | $290K | 6.75% |
| Community National Bank & Trust | 7(a) | 59 | 12 | $150K | 6.95% |
| UMB Bank, National Association | 7(a) | 59 | 10 | $350K | 6.75% |
| Wakarusa Valley Development, Inc. | 504 (CDC) | 55 | 10 | $387K | n/a |
| BayFirst National Bank | 7(a) | 54 | 13 | $150K | 12.25% |
| Heartland Business Capital, Inc. | 504 (CDC) | 53 | 6 | $623K | n/a |
| Live Oak Banking Company | 7(a) | 49 | 25 | $1.0M | 9% |
| Readycap Lending, LLC | 7(a) | 45 | 18 | $50K | 13.5% |
| First National Bank of Omaha | 7(a) | 44 | 0 | $178K | 5.5% |
| Farmers Bank and Trust | 7(a) | 44 | 4 | $104K | 5.75% |
| United Midwest Savings Bank National Association | 7(a) | 43 | 12 | $150K | 10% |
| Frontier Financial Partners, Inc. | 504 (CDC) | 43 | 8 | $673K | n/a |
| South Central Kansas Economic Development District, Inc. | 7(a) | 41 | 15 | $150K | 8.12% |
| Landmark National Bank | 7(a) | 38 | 3 | $511K | 5.92% |
| Newtek Bank, National Association | 7(a) | 38 | 24 | $238K | 11.5% |
504 loans are written by Certified Development Companies alongside a bank first mortgage. The 504 file reports no interest rate, so CDC rows show none.
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Start your funding profile →How big Kansas SBA loans run
Share of Kansas 7(a) loans by approval size, next to the national split. If your ask sits in a common band, it is the kind of loan lenders here fund every week.
| 7(a) loan size | KS | US |
|---|---|---|
| Under $150K | 36% | 40.4% |
| $150K to $500K | 35% | 31.9% |
| $500K to $1M | 14.3% | 12.9% |
| $1M and up | 14.6% | 14.9% |
Who gets funded in Kansas
Business age on Kansas 7(a) loans. 16.1% funded a change of ownership, against 11.1% nationally. Buying a business? See the acquisition lender shortlist. Starting one? See startup-friendly lenders.
| Business stage | KS | US |
|---|---|---|
| Established, more than 2 years | 44.9% | 55.2% |
| New, 2 years or less | 15.9% | 16.9% |
| Startup, loan opens the business | 23.1% | 16.8% |
| Change of ownership (buying a business) | 16.1% | 11.1% |
Industries Kansas SBA lenders fund most
Share of all Kansas SBA loans by industry, and how that compares with the national mix.
| Industry | KS loans | Share | Compared with US |
|---|---|---|---|
| Restaurants and hotels | 379 | 13.2% | in line with national |
| Healthcare | 330 | 11.5% | in line with national |
| Construction | 325 | 11.4% | in line with national |
| Retail | 316 | 11% | in line with national |
| Personal and repair services | 287 | 10% | in line with national |
| Professional services | 226 | 7.9% | 0.8x the national share |
| Manufacturing | 205 | 7.2% | in line with national |
| Business support services | 171 | 6% | in line with national |
The most common specific business types funded in Kansas: full-service restaurants (107), limited-service restaurants (97), hotels (except casino hotels) and motels (80), landscaping services (71), fitness and recreational sports centers (67), general automotive repair (55).
Where in Kansas the loans go
| County | SBA loans since FY2020 | Share of state |
|---|---|---|
| Johnson | 1,016 | 35% |
| Sedgwick | 506 | 18% |
| Wyandotte | 126 | 4% |
| Shawnee | 114 | 4% |
| Douglas | 109 | 4% |
| Ellis | 105 | 4% |
| Butler | 71 | 2% |
| Leavenworth | 70 | 2% |
7(a) or 504 in Kansas
9% of Kansas SBA loans are 504 loans, against 12% nationally. A 504 loan funds owner-occupied real estate or major equipment, with a median of $585K here. A 7(a) loan covers almost anything else, including working capital and buying a business. The busiest 504 lenders in Kansas:
- Rural Missouri, Inc.: 80 504 loans, median $610K
- Wakarusa Valley Development, Inc.: 55 504 loans, median $387K
- Heartland Business Capital, Inc.: 53 504 loans, median $623K
- Frontier Financial Partners, Inc.: 43 504 loans, median $673K
- South Central Kansas Economic Development District, Inc.: 17 504 loans, median $413K
Kansas SBA lending by year
| Fiscal year | 7(a) loans | 504 loans | Dollars |
|---|---|---|---|
| FY2020 | 372 | 47 | $206M |
| FY2021 | 437 | 55 | $297M |
| FY2022 | 360 | 41 | $179M |
| FY2023 | 376 | 32 | $224M |
| FY2024 | 409 | 31 | $249M |
| FY2025 | 414 | 24 | $236M |
| FY2026 (through June 30, 2026) | 241 | 23 | $175M |
The SBA fiscal year runs October through September.
Common questions
Who is the most active SBA lender in Kansas?
By funded loans since FY2020, Emprise Bank leads Kansas with 156 loans.
How big is a typical SBA loan in Kansas?
The median 7(a) loan in Kansas is $240K, and the middle half runs from $90K to $550K. The median 504 loan is $585K. Nationally the 7(a) median is $200K.
What interest rate do Kansas SBA borrowers get?
The median starting rate on Kansas 7(a) loans since FY2020 is 7.75%, against 9.25% nationally. 68% of those loans carry a variable rate, which moves with the prime rate.
Can a startup get an SBA loan in Kansas?
Yes. 39% of Kansas 7(a) loans with a reported business age went to startups or businesses two years old or younger, against 34% nationally. Lenders still expect a solid plan, owner equity and usually collateral.
Sources and limits. Derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records, FY2020 through June 30, 2026, for projects located in Kansas. Cancelled approvals are excluded. Jobs supported are as reported by borrowers. Figures describe past lending activity only and are not offers, quotes, or qualification decisions. Big Brain Funding is not a lender and is not affiliated with any lender listed.