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County9th of 93 in Kansas by approvalsFIPS 20055
SBA loans in Finney 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 47 loans to businesses in Finney County, Kansas, in FY2021 to FY2025, worth $26.3M: 45 under 7(a) and 2 under 504.
That is 45.0 approvals per 1,000 business establishments (1,044 establishments in 2023), above the Kansas figure of 32.2 and close to the national 41.0.
It ranks 9th of 93 Kansas counties with approvals. In FY2025 there were 5.
6 lenders had approvals here; the most active were Dream First Bank National Association (22), KCB Bank (21) and Heartland Business Capital, Inc. (1). The most common industry was general freight trucking.
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 Finney County
By number of approvals to businesses in the county, FY2021–FY2025; 6 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Dream First Bank National AssociationSyracuse, KS | 22 | $14.9M | 46.8% | |
| 2 | KCB BankLakin, KS | 21 | $7.4M | 44.7% | |
| 3 | Heartland Business Capital, Inc.Overland Park, KS · CDC | 1 | — | 2.1% | |
| 4 | Frontier Financial Partners, Inc.Emporia, KS · CDC | 1 | — | 2.1% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 1 | — | 2.1% | |
| 6 | Lendistry SBLC, LLCLos Angeles, CA | 1 | — | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 8 | 17.0% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 10.6% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 4 | 8.5% | |
| 4 | Personal Care ServicesNAICS 8121 | 4 | 8.5% | |
| 5 | Drycleaning and Laundry ServicesNAICS 8123 | 3 | 6.4% | |
| 6 | Commercial and Industrial Machinery and Equipment Rental and LeasingNAICS 5324 | 2 | 4.3% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 2 | 4.3% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 4.3% | |
| 9 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 2 | 4.3% | |
| 10 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 2 | 4.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 14 | 29.8% | |
| 2 | Transportation and Warehousing | 10 | 21.3% | |
| 3 | Construction | 7 | 14.9% | |
| 4 | Accommodation and Food Services | 4 | 8.5% | |
| 5 | Retail Trade | 3 | 6.4% | |
| 6 | Real Estate and Rental and Leasing | 2 | 4.3% | |
| 7 | Health Care and Social Assistance | 2 | 4.3% | |
| 8 | Professional, Scientific, and Technical Services | 1 | 2.1% |
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* | 1 | — | — | 0 | — | 1 | 6 |
| FY2025 | 5 | $5.2M | $103K | 0 | — | 5 | 23 |
| FY2024 | 4 | $857K | $221K | 0 | — | 4 | 20 |
| FY2023 | 7 | $4.3M | $200K | 2 | — | 9 | 259 |
| FY2022 | 12 | $2.5M | $97K | 0 | — | 12 | 43 |
| FY2021 | 17 | $9.8M | $252K | 0 | — | 17 | 230 |
| FY2020 | 8 | $6.7M | $950K | 0 | — | 8 | 177 |
| FY2019 | 7 | $2.5M | $98K | 0 | — | 7 | 55 |
| FY2018 | 5 | $3.5M | $43K | 1 | — | 6 | 208 |
| FY2017 | 11 | $4.7M | $100K | 0 | — | 11 | 204 |
| FY2016 | 11 | $3.9M | $100K | 0 | — | 11 | 53 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 43 approvals.
Against Kansas and the country
| FY2021–FY2025 | Finney County | Kansas | United States |
|---|---|---|---|
| Approvals | 47 | 2,451 | 342,825 |
| Approvals per 1,000 establishments | 45.0 | 32.2 | 41.0 |
| Median 7(a) approval | $145K | $225K | $190K |
| Median 504 approval | — | $581K | $657K |
| Average approval | $560K | $539K | $573K |
| 504 share of approvals | 4.3% | 8.6% | 11.0% |
| Jobs supported per approval, as reported | 12.2 | 11.5 | 10.5 |
| Share of state approvals | 1.9% | 100.0% | — |
Approval sizes
- $50,000 or less21.3%10
- $50,001 to $150,00027.7%13
- $150,001 to $350,00019.1%9
- $350,001 to $1 million12.8%6
- $1 million to $2 million10.6%5
- Over $2 million8.5%4
Age of the businesses
- Existing, more than 2 years old44.7%21
- New business, 2 years or less27.7%13
- Startup, loan funds will open the business23.4%11
- Change of ownership4.3%2
Questions and answers
Which lenders make the most SBA loans in Finney County?
By approvals in FY2021 to FY2025: Dream First Bank National Association (22), KCB Bank (21), Heartland Business Capital, Inc. (1), Frontier Financial Partners, Inc. (1), Newtek Bank, National Association (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Finney County?
The median 7(a) approval was $145K; the Kansas 7(a) median was $225K.
Which industries get the most SBA loans in Finney County?
General Freight Trucking (8); Automotive Repair and Maintenance (5); Building Equipment Contractors (4); Personal Care Services (4); Drycleaning and Laundry Services (3).
Is SBA lending in Finney County rising?
Approvals in the three latest complete fiscal years total 18, against 37 in the three before: falling (-51%).
How does Finney County compare with the rest of Kansas?
45.0 approvals per 1,000 establishments against 32.2 statewide, and 47 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