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County1st of 93 in Kansas by approvalsFIPS 20091
SBA loans in Johnson 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 868 loans to businesses in Johnson County, Kansas, in FY2021 to FY2025, worth $474M: 804 under 7(a) and 64 under 504.
That is 45.7 approvals per 1,000 business establishments (18,999 establishments in 2023), above the Kansas figure of 32.2 and close to the national 41.0.
It ranks 1st of 93 Kansas counties with approvals. In FY2025 there were 185, about level with FY2024.
127 lenders had approvals here; the most active were U.S. Bank, National Association (69), Small Business Bank (44) and The Huntington National Bank (40). 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 Johnson County
By number of approvals to businesses in the county, FY2021–FY2025; 127 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 69 | $13.9M | 7.9% | |
| 2 | Small Business BankLenexa, KS | 44 | $9.7M | 5.1% | |
| 3 | The Huntington National BankColumbus, OH | 40 | $9.0M | 4.6% | |
| 4 | UMB Bank, National AssociationKansas City, MO | 35 | $17.9M | 4.0% | |
| 5 | Commerce BankKansas City, MO | 34 | $9.2M | 3.9% | |
| 6 | First National Bank of OmahaOmaha, NE | 33 | $10.5M | 3.8% | |
| 7 | Heartland Business Capital, Inc.Overland Park, KS · CDC | 32 | $23.6M | 3.7% | |
| 8 | OakStar BankSpringfield, MO | 26 | $16.1M | 3.0% | |
| 9 | Kendall BankOverland Park, KS | 23 | $17.8M | 2.6% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 23 | $3.7M | 2.6% | |
| 11 | Wells Fargo Bank National AssociationSioux Falls, SD | 22 | $15.7M | 2.5% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 21 | $33.3M | 2.4% | |
| 13 | First Bank of the LakeOsage Beach, MO | 19 | $16.4M | 2.2% | |
| 14 | Northeast BankLewiston, ME | 19 | $3.0M | 2.2% | |
| 15 | United Midwest Savings Bank National AssociationDe Graff, OH | 19 | $2.1M | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 70 | 8.1% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 51 | 5.9% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 43 | 5.0% | |
| 4 | Personal Care ServicesNAICS 8121 | 40 | 4.6% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 32 | 3.7% | |
| 6 | Other Personal ServicesNAICS 8129 | 28 | 3.2% | |
| 7 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 24 | 2.8% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 23 | 2.6% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 21 | 2.4% | |
| 10 | Child Day Care ServicesNAICS 6244 | 20 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 127 | 14.6% | |
| 2 | Construction | 111 | 12.8% | |
| 3 | Professional, Scientific, and Technical Services | 101 | 11.6% | |
| 4 | Retail Trade | 93 | 10.7% | |
| 5 | Other Services (except Public Administration) | 91 | 10.5% | |
| 6 | Accommodation and Food Services | 79 | 9.1% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 48 | 5.5% | |
| 8 | Arts, Entertainment, and Recreation | 46 | 5.3% |
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* | 99 | $70.9M | $250K | 5 | $6.2M | 104 | 1,109 |
| FY2025 | 180 | $99.2M | $264K | 5 | $4.6M | 185 | 1,679 |
| FY2024 | 189 | $101M | $225K | 9 | $11.4M | 198 | 2,177 |
| FY2023 | 160 | $79.9M | $204K | 9 | $9.4M | 169 | 2,243 |
| FY2022 | 133 | $53.1M | $200K | 16 | $12.0M | 149 | 1,639 |
| FY2021 | 142 | $87.9M | $400K | 25 | $15.9M | 167 | 1,984 |
| FY2020 | 136 | $64.1M | $248K | 18 | $15.9M | 154 | 1,744 |
| FY2019 | 143 | $58.7M | $180K | 10 | $7.5M | 153 | 1,752 |
| FY2018 | 122 | $76.7M | $305K | 16 | $17.5M | 138 | 1,900 |
| FY2017 | 160 | $61.0M | $245K | 15 | $11.1M | 175 | 2,096 |
| FY2016 | 175 | $82.7M | $150K | 7 | $3.3M | 182 | 2,176 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 802 approvals.
Against Kansas and the country
| FY2021–FY2025 | Johnson County | Kansas | United States |
|---|---|---|---|
| Approvals | 868 | 2,451 | 342,825 |
| Approvals per 1,000 establishments | 45.7 | 32.2 | 41.0 |
| Median 7(a) approval | $257K | $225K | $190K |
| Median 504 approval | $629K | $581K | $657K |
| Average approval | $546K | $539K | $573K |
| 504 share of approvals | 7.4% | 8.6% | 11.0% |
| Jobs supported per approval, as reported | 11.2 | 11.5 | 10.5 |
| Share of state approvals | 35.4% | 100.0% | — |
Approval sizes
- $50,000 or less15.9%138
- $50,001 to $150,00021.2%184
- $150,001 to $350,00019.2%167
- $350,001 to $1 million29.6%257
- $1 million to $2 million8.6%75
- Over $2 million5.4%47
Age of the businesses
- Existing, more than 2 years old44.7%388
- New business, 2 years or less16.7%145
- Startup, loan funds will open the business27.9%242
- Change of ownership10.6%92
- Not answered0.1%1
Questions and answers
Which lenders make the most SBA loans in Johnson County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (69), Small Business Bank (44), The Huntington National Bank (40), UMB Bank, National Association (35), Commerce Bank (34). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Johnson County?
The median 7(a) approval was $257K and the median 504 approval $629K; the Kansas 7(a) median was $225K.
Which industries get the most SBA loans in Johnson County?
Restaurants and Other Eating Places (70); Offices of Other Health Practitioners (51); Other Amusement and Recreation Industries (43); Personal Care Services (40); Services to Buildings and Dwellings (32).
Is SBA lending in Johnson County rising?
Approvals in the three latest complete fiscal years total 552, against 470 in the three before: rising (+17%).
How does Johnson County compare with the rest of Kansas?
45.7 approvals per 1,000 establishments against 32.2 statewide, and 868 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