States › Kansas › Ellis County
County6th of 93 in Kansas by approvalsFIPS 20051
SBA loans in Ellis 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 93 loans to businesses in Ellis County, Kansas, in FY2021 to FY2025, worth $28.7M: 88 under 7(a) and 5 under 504.
That is 83.8 approvals per 1,000 business establishments (1,110 establishments in 2023), above the Kansas figure of 32.2 and above the national 41.0.
It ranks 6th of 93 Kansas counties with approvals. In FY2025 there were 8, down 33% on FY2024.
13 lenders had approvals here; the most active were Bank of Hays (64), Equity Bank (12) and Frontier Financial Partners, Inc. (4). The most common industry was other specialty trade contractors.
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 Ellis County
By number of approvals to businesses in the county, FY2021–FY2025; 13 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Bank of HaysHays, KS | 64 | $15.6M | 68.8% | |
| 2 | Equity BankAndover, KS | 12 | $4.1M | 12.9% | |
| 3 | Frontier Financial Partners, Inc.Emporia, KS · CDC | 4 | $1.6M | 4.3% | |
| 4 | Commerce BankKansas City, MO | 3 | $501K | 3.2% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 2.2% | |
| 6 | Truliant FCUWinston-Salem, NC | 1 | — | 1.1% | |
| 7 | Emprise BankWichita, KS | 1 | — | 1.1% | |
| 8 | Byline BankChicago, IL | 1 | — | 1.1% | |
| 9 | Banc of CaliforniaLos Angeles, CA | 1 | — | 1.1% | |
| 10 | The BankOberlin, KS | 1 | — | 1.1% | |
| 11 | Northeast BankLewiston, ME | 1 | — | 1.1% | |
| 12 | Wakarusa Valley Development, Inc.Lawrence, KS · CDC | 1 | — | 1.1% | |
| 13 | Central National BankJunction City, KS | 1 | — | 1.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Specialty Trade ContractorsNAICS 2389 | 15 | 16.1% | |
| 2 | Support Activities for MiningNAICS 2131 | 13 | 14.0% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 7.5% | |
| 4 | Building Finishing ContractorsNAICS 2383 | 5 | 5.4% | |
| 5 | Traveler AccommodationNAICS 7211 | 4 | 4.3% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 3.2% | |
| 7 | Special Food ServicesNAICS 7223 | 3 | 3.2% | |
| 8 | Residential Building ConstructionNAICS 2361 | 3 | 3.2% | |
| 9 | Personal Care ServicesNAICS 8121 | 3 | 3.2% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 3 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 26 | 28.0% | |
| 2 | Mining, Quarrying, and Oil and Gas Extraction | 15 | 16.1% | |
| 3 | Accommodation and Food Services | 14 | 15.1% | |
| 4 | Other Services (except Public Administration) | 11 | 11.8% | |
| 5 | Retail Trade | 8 | 8.6% | |
| 6 | Health Care and Social Assistance | 4 | 4.3% | |
| 7 | Transportation and Warehousing | 3 | 3.2% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 3 | 3.2% |
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* | 3 | $2.8M | $50K | 0 | — | 3 | 15 |
| FY2025 | 8 | $3.8M | $315K | 0 | — | 8 | 126 |
| FY2024 | 10 | $3.9M | $75K | 2 | — | 12 | 142 |
| FY2023 | 22 | $3.5M | $50K | 0 | — | 22 | 274 |
| FY2022 | 18 | $6.7M | $135K | 1 | — | 19 | 85 |
| FY2021 | 30 | $9.0M | $138K | 2 | — | 32 | 258 |
| FY2020 | 19 | $7.7M | $298K | 0 | — | 19 | 213 |
| FY2019 | 19 | $4.9M | $97K | 1 | — | 20 | 69 |
| FY2018 | 8 | $3.3M | $124K | 1 | — | 9 | 23 |
| FY2017 | 9 | $1.1M | $30K | 0 | — | 9 | 75 |
| FY2016 | 11 | $1.6M | $90K | 0 | — | 11 | 109 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 68 approvals.
Against Kansas and the country
| FY2021–FY2025 | Ellis County | Kansas | United States |
|---|---|---|---|
| Approvals | 93 | 2,451 | 342,825 |
| Approvals per 1,000 establishments | 83.8 | 32.2 | 41.0 |
| Median 7(a) approval | $81K | $225K | $190K |
| Median 504 approval | $264K | $581K | $657K |
| Average approval | $308K | $539K | $573K |
| 504 share of approvals | 5.4% | 8.6% | 11.0% |
| Jobs supported per approval, as reported | 9.5 | 11.5 | 10.5 |
| Share of state approvals | 3.8% | 100.0% | — |
Approval sizes
- $50,000 or less34.4%32
- $50,001 to $150,00025.8%24
- $150,001 to $350,00017.2%16
- $350,001 to $1 million14.0%13
- $1 million to $2 million7.5%7
- Over $2 million1.1%1
Age of the businesses
- Existing, more than 2 years old63.4%59
- New business, 2 years or less18.3%17
- Startup, loan funds will open the business10.8%10
- Change of ownership6.5%6
- Not answered1.1%1
Questions and answers
Which lenders make the most SBA loans in Ellis County?
By approvals in FY2021 to FY2025: Bank of Hays (64), Equity Bank (12), Frontier Financial Partners, Inc. (4), Commerce Bank (3), Readycap Lending, LLC (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Ellis County?
The median 7(a) approval was $81K and the median 504 approval $264K; the Kansas 7(a) median was $225K.
Which industries get the most SBA loans in Ellis County?
Other Specialty Trade Contractors (15); Support Activities for Mining (13); Restaurants and Other Eating Places (7); Building Finishing Contractors (5); Traveler Accommodation (4).
Is SBA lending in Ellis County rising?
Approvals in the three latest complete fiscal years total 42, against 70 in the three before: falling (-40%).
How does Ellis County compare with the rest of Kansas?
83.8 approvals per 1,000 establishments against 32.2 statewide, and 93 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