State lending data
SBA lending in Kansas
1,440 SBA 7(a) loans went to businesses in Kansas recently, at a median of $234,950. The lenders that made them, what they charged, and how the state is trending.
1,440 SBA 7(a) loans went to businesses in Kansas in the most recent fiscal years, at a median of $234,950. The most active lender in the state was Emprise Bank, with 107 loans. Approvals are down 16.7% on the year.
SBA lending in Kansas, by the numbers
Every figure here is computed from SBA 7(a) loan-level FOIA data released 2026-06-30 — loans actually approved to businesses in Kansas, not advertised ranges.
| Measure | Kansas | National |
|---|---|---|
| Loans approved | 1,440 | 214,102 |
| Total approved | $765.5 million | $104.1 billion |
| Median loan | $234,950 | $150,000 |
| 25th – 75th percentile | $90,000 – $539,750 | $50,000 – $500,000 |
| Median term | 10 years | 10 years |
| Median initial rate | 9.25% | 10.25% |
| Share to startups | 37.8% | 33.6% |
| Charge-off rate, FY2010–19 | 7.0% | 7.1% |
| Jobs supported | 16,355 | 2,142,602 |
| Counties with recorded lending | 82 | — |
| Lenders active in the state | 171 | — |
Is SBA lending in Kansas growing or shrinking?
Fewer, larger loans. The number of approvals fell while the total dollars approved rose, so what shrank in Kansas is small-loan lending. Comparing December 2025 to June 2026 with December 2024 to June 2025, the same months a year earlier, 7(a) approvals to businesses in Kansas went from 251 to 209 loans, down 16.7% — while the dollars approved went from $110.2 million to $136.1 million, up 23.5%. The average approval rose from $439,036 to $651,058, so the change is weighted toward larger loans.
That puts Kansas mid-table — 17th of 51 for year-on-year change, against a national decline of 21.0%.
| Fiscal year | Loans in Kansas | Loans nationally | State share |
|---|---|---|---|
| FY2023 | 376 | 51,747 | 0.7% |
| FY2024 | 409 | 62,618 | 0.7% |
| FY2025 | 414 | 64,096 | 0.6% |
| FY2026 (part year) | 241 | 35,641 | 0.7% |
Which lenders actually fund businesses in Kansas
Ranked by loans approved inside Kansas. The median, startup share and rate columns describe each lender's own Kansas loans, not its national averages — the same bank often writes very different business from one state to the next.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Emprise Bank | 107 | $210,800 | 32% | 7.60% |
| U.S. Bank | 86 | $40,000 | 45% | 9.49% |
| The Huntington National Bank | 60 | $237,500 | 62% | 10.25% |
| Bank of Hays | 57 | $85,000 | 23% | 8.50% |
| OakStar Bank | 54 | $741,700 | 32% | 9.50% |
| BayFirst National Bank | 44 | $150,000 | 0% | 12.75% |
| Commerce Bank | 43 | $70,000 | 46% | 8.86% |
| Equity Bank | 39 | $300,000 | 49% | 9.20% |
| Live Oak Banking Company | 39 | $950,000 | 31% | 9.50% |
| Readycap Lending, LLC | 38 | $50,000 | 13% | 14.00% |
| Newtek Bank | 38 | $237,500 | 21% | 11.50% |
| INTRUST Bank | 37 | $255,800 | 32% | 8.25% |
What stands out about Kansas
Reading the state's own figures against the national picture:
- Loans here run larger than average. The median of $234,950 is 57% above the $150,000 national median. Expect lenders in this market to be geared toward bigger deals, and expect a small request to get less attention.
- Startup share is close to average, at 37.8% against 33.6% nationally.
- Rates run lower here. The median initial rate of 9.25% is 1.00 points below the 10.25% national median. Most 7(a) lending is variable-rate, so treat this as a comparison between markets, not a quote.
Who borrows in Kansas
The industry mix of SBA borrowers here, led by restaurants and hotels.
| Sector | Loans | Share | Median loan | To startups |
|---|---|---|---|---|
| Restaurants and Hotels | 200 | 13.9% | $433,500 | 50% |
| Healthcare | 182 | 12.6% | $244,800 | 43% |
| Construction | 179 | 12.4% | $150,000 | 35% |
| Retail | 153 | 10.6% | $250,000 | 39% |
| Personal Services | 135 | 9.4% | $198,700 | 42% |
| Professional Services | 131 | 9.1% | $150,000 | 24% |
| Manufacturing | 99 | 6.9% | $352,700 | 22% |
| Admin Services | 93 | 6.5% | $150,000 | 24% |
| Arts and Recreation | 65 | 4.5% | $325,000 | 71% |
| Trucking | 42 | 2.9% | $103,850 | 50% |
| Wholesale | 40 | 2.8% | $206,250 | 18% |
| Real Estate | 34 | 2.4% | $150,000 | 35% |
Where the money goes in Kansas
SBA lending is more concentrated than state totals suggest, and Johnson County alone accounts for 38% of the state's loans.
| County | Loans | Median loan | Total approved |
|---|---|---|---|
| Johnson County | 553 | $250,000 | $320.3 million |
| Sedgwick County | 278 | $258,250 | $156.7 million |
| Wyandotte County | 66 | $309,800 | $47.4 million |
| Douglas County | 50 | $195,400 | $20.1 million |
| Shawnee County | 48 | $298,000 | $21.5 million |
| Butler County | 44 | $186,500 | $17.9 million |
| Ellis County | 38 | $50,850 | $9.4 million |
| Leavenworth County | 30 | $196,600 | $15.5 million |
SBA 504 in Kansas
7(a) is the general-purpose program. 504 is the one for buying the building or the heavy equipment, at a long fixed rate — a different program with its own lenders, called Certified Development Companies.
| Measure | Kansas 504 | National 504 |
|---|---|---|
| Projects approved | 110 | 22,192 |
| Median CDC share | $729,000 | $730,000 |
| Median total project | $1,648,500 | $1,642,000 |
| Median term | 25 years | 25 years |
- Which CDCs operate here, and on what terms: SBA 504 in Kansas
- How the two programs differ: SBA 504 loans and SBA 7(a) loans
How to use this page
- Start from the lender table, not a search engine. Shortlist three whose median loan in Kansas is near what you need. Size match beats brand.
- Follow your industry link in the sector table for the lenders that fund your kind of business in this state specifically.
- Then your county, if it is listed, for the local picture.
- Check the payment before you apply with the affordability calculator — lenders decline on cash flow more than on anything else.
- Filter the whole lender file yourself in the lender finder if you want to combine state, industry, loan size and business age at once.
Other states
- States of comparable lending volume: Alabama, Iowa, Oklahoma, Maine, Louisiana, Mississippi, California, Florida
Questions people actually ask
How many SBA loans are approved in Kansas each year?
1,440 SBA 7(a) loans were approved to businesses in Kansas across fiscal years 2023 to 2026, using data released June 2026, worth $765.5 million in total. Over the most recent comparable months the number of approvals ran down 16.7% year on year, while the dollars approved ran up 23.5%.
Which bank approves the most SBA loans in Kansas?
Emprise Bank, with 107 loans approved to businesses in the state and a median loan of $210,800. That makes it the most active, not necessarily the best fit — a lender whose median is far from your number is usually the wrong call.
Do I have to use a lender based in Kansas?
No. SBA lenders routinely lend across state lines and several of the largest are non-bank lenders with no branches at all. What the state data tells you is which institutions are already comfortable with businesses like yours here.