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County4th of 93 in Kansas by approvalsFIPS 20045
SBA loans in Douglas County, Kansas
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 97 loans to businesses in Douglas County, Kansas, in FY2021 to FY2025, worth $54.4M: 72 under 7(a) and 25 under 504.
That is 35.0 approvals per 1,000 business establishments (2,774 establishments in 2023), close to the Kansas figure of 32.2 and close to the national 41.0.
It ranks 4th of 93 Kansas counties with approvals. In FY2025 there were 22, about level with FY2024.
42 lenders had approvals here; the most active were Wakarusa Valley Development, Inc. (20), Community Banks of Colorado, A Division of NBH Bank (6) and Northeast Bank (5). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Douglas County
By number of approvals to businesses in the county, FY2021–FY2025; 42 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wakarusa Valley Development, Inc.Lawrence, KS · CDC | 20 | $11.6M | 20.6% | |
| 2 | Community Banks of Colorado, A Division of NBH BankGreenwood Village, CO | 6 | $2.5M | 6.2% | |
| 3 | Northeast BankLewiston, ME | 5 | $550K | 5.2% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 5 | $147K | 5.2% | |
| 5 | The Huntington National BankColumbus, OH | 4 | $820K | 4.1% | |
| 6 | INTRUST Bank National AssociationWichita, KS | 4 | $460K | 4.1% | |
| 7 | Landmark National BankManhattan, KS | 3 | $3.2M | 3.1% | |
| 8 | Great American BankLawrence, KS | 3 | $1.1M | 3.1% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 3 | $550K | 3.1% | |
| 10 | Silver Lake BankTopeka, KS | 3 | $530K | 3.1% | |
| 11 | Commerce BankKansas City, MO | 3 | $142K | 3.1% | |
| 12 | Byline BankChicago, IL | 2 | — | 2.1% | |
| 13 | First Bank of the LakeOsage Beach, MO | 2 | — | 2.1% | |
| 14 | Rural Missouri, Inc.Jefferson City, MO · CDC | 2 | — | 2.1% | |
| 15 | CommunityAmerica Federal Credit UnionLenexa, KS | 2 | — | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 9.3% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 8 | 8.2% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 6 | 6.2% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 5.2% | |
| 5 | Beer, Wine, and Liquor StoresNAICS 4453 | 5 | 5.2% | |
| 6 | Residential Intellectual and Developmental Disability, Mental Health, and Substance Abuse FacilitiesNAICS 6232 | 3 | 3.1% | |
| 7 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 3 | 3.1% | |
| 8 | Printing and Related Support ActivitiesNAICS 3231 | 3 | 3.1% | |
| 9 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 3.1% | |
| 10 | Performing Arts CompaniesNAICS 7111 | 3 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 14 | 14.4% | |
| 2 | Retail Trade | 14 | 14.4% | |
| 3 | Health Care and Social Assistance | 13 | 13.4% | |
| 4 | Manufacturing | 11 | 11.3% | |
| 5 | Arts, Entertainment, and Recreation | 10 | 10.3% | |
| 6 | Other Services (except Public Administration) | 7 | 7.2% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 7 | 7.2% | |
| 8 | Construction | 7 | 7.2% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 7 | $3.3M | $191K | 1 | — | 8 | 100 |
| FY2025 | 20 | $5.7M | $145K | 2 | — | 22 | 239 |
| FY2024 | 17 | $13.1M | $200K | 6 | $5.0M | 23 | 202 |
| FY2023 | 15 | $3.7M | $150K | 2 | — | 17 | 163 |
| FY2022 | 8 | $6.8M | $538K | 6 | $2.7M | 14 | 129 |
| FY2021 | 12 | $7.8M | $225K | 9 | $6.9M | 21 | 175 |
| FY2020 | 17 | $4.1M | $150K | 2 | — | 19 | 111 |
| FY2019 | 17 | $7.0M | $250K | 1 | — | 18 | 250 |
| FY2018 | 22 | $9.9M | $153K | 2 | — | 24 | 188 |
| FY2017 | 21 | $6.2M | $150K | 3 | $1.4M | 24 | 380 |
| FY2016 | 13 | $4.5M | $174K | 2 | — | 15 | 131 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 100 approvals.
Against Kansas and the country
| FY2021–FY2025 | Douglas County | Kansas | United States |
|---|---|---|---|
| Approvals | 97 | 2,451 | 342,825 |
| Approvals per 1,000 establishments | 35.0 | 32.2 | 41.0 |
| Median 7(a) approval | $188K | $225K | $190K |
| Median 504 approval | $382K | $581K | $657K |
| Average approval | $560K | $539K | $573K |
| 504 share of approvals | 25.8% | 8.6% | 11.0% |
| Jobs supported per approval, as reported | 9.4 | 11.5 | 10.5 |
| Share of state approvals | 4.0% | 100.0% | — |
Approval sizes
- $50,000 or less20.6%20
- $50,001 to $150,00015.5%15
- $150,001 to $350,00024.7%24
- $350,001 to $1 million25.8%25
- $1 million to $2 million8.2%8
- Over $2 million5.2%5
Age of the businesses
- Existing, more than 2 years old55.7%54
- New business, 2 years or less8.2%8
- Startup, loan funds will open the business22.7%22
- Change of ownership13.4%13
Questions and answers
Which lenders make the most SBA loans in Douglas County?
By approvals in FY2021 to FY2025: Wakarusa Valley Development, Inc. (20), Community Banks of Colorado, A Division of NBH Bank (6), Northeast Bank (5), U.S. Bank, National Association (5), The Huntington National Bank (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Douglas County?
The median 7(a) approval was $188K and the median 504 approval $382K; the Kansas 7(a) median was $225K.
Which industries get the most SBA loans in Douglas County?
Restaurants and Other Eating Places (9); Offices of Other Health Practitioners (8); Other Amusement and Recreation Industries (6); Automotive Repair and Maintenance (5); Beer, Wine, and Liquor Stores (5).
Is SBA lending in Douglas County rising?
Approvals in the three latest complete fiscal years total 62, against 54 in the three before: rising (+15%).
How does Douglas County compare with the rest of Kansas?
35.0 approvals per 1,000 establishments against 32.2 statewide, and 97 of the state's 2,451 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error