Lending data
Who actually lends to arts and recreation businesses in Kansas?
65 SBA 7(a) loans went to arts and recreation businesses in Kansas recently, at a median of $325,000. Here are the lenders that made them, ranked.
65 SBA 7(a) loans went to arts and recreation businesses in Kansas in the most recent fiscal years. The median was $325,000 over 10 years. The most active lender was The Huntington National Bank, with 7 loans.
What lending to arts and recreation businesses in Kansas actually looks like
Every figure on this page is computed from SBA 7(a) loan-level FOIA data released 2026-06-30. It reflects loans that were actually approved, not rate cards or advertised ranges.
| Measure | Arts, entertainment, and recreation, Kansas | All 7(a) borrowers |
|---|---|---|
| Loans approved | 65 | 214,102 |
| Median loan | $325,000 | $150,000 |
| 25th - 75th percentile | $100,000 - $798,750 | $50,000 - $500,000 |
| Median term | 10 years | 10 years |
| Median initial rate | 9.75% | 10.25% |
| Share to startups | 70.8% | 33.6% |
| Charge-off rate, FY2010-19 cohort | 8.2% | 7.1% |
Which lenders actually funded them
Ranked by loans approved to arts and recreation businesses in Kansas. This is the list worth working from, because a lender that has funded dozens of businesses like yours in your state has seen your file before.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | 7 | $499,300 | 100% | 10.00% |
| Small Business Bank | 5 | $150,000 | 100% | 11.00% |
| U.S. Bank | 4 | $56,000 | 25% | 8.62% |
| Regent Bank | 3 | $632,000 | 67% | 9.75% |
| South Central Kansas Economic Development District, Inc | 3 | $115,000 | 100% | 8.00% |
| OMB Bank | 2 | $308,000 | 100% | 8.88% |
| Emprise Bank | 2 | $634,850 | 50% | 7.75% |
| First Merchants Bank | 2 | $2,134,000 | 50% | 10.25% |
| First Internet Bank of Indiana | 2 | $398,000 | 100% | 10.88% |
| Live Oak Banking Company | 2 | $592,500 | 0% | 10.37% |
What stands out in this market
Reading the figures above against the national picture:
- Loans here run larger than average. The median of $325,000 is 117% 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.
- New businesses do well here. 71% of these loans went to startups or businesses under two years old, against 34% nationally — an unusually open market if you have no trading history.
- Lending here is fragmented. The top three lenders made only 25% of these loans between them, so no single institution owns this market. That is good news: it means shopping genuinely pays.
- Rates run lower here. The median initial rate of 9.75% is 0.50 points below the 10.25% national median, which usually tracks loan size and perceived sector risk rather than geography.
Which of them lend to new businesses
Of those loans, 70.8% went to businesses the SBA classes as startups — new, under two years old, or opening with the proceeds. These are the lenders in this market that actually wrote them.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | 7 | $499,300 | 100% | 10.00% |
| Small Business Bank | 5 | $150,000 | 100% | 11.00% |
| South Central Kansas Economic Development District, Inc | 3 | $115,000 | 100% | 8.00% |
| OMB Bank | 2 | $308,000 | 100% | 8.88% |
| Regent Bank | 2 | $632,000 | 67% | 9.75% |
| First Internet Bank of Indiana | 2 | $398,000 | 100% | 10.88% |
How to use this
- Shortlist three lenders from the table whose median loan is close to what you need.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year. See choosing an SBA lender.
- Check your coverage first with the affordability calculator so you ask for a number the cash flow supports.
- Assemble the package before you call. The document checklist is the single biggest thing you control.
Compare other markets
- Other sectors in Kansas: restaurants and hotels, healthcare, construction, retail, personal services, professional services
- Arts and Recreation in comparable states: Oklahoma, Kentucky, Alabama, Louisiana, New Hampshire, Idaho