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County5th of 93 in Kansas by approvalsFIPS 20177
SBA loans in Shawnee 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 94 loans to businesses in Shawnee County, Kansas, in FY2021 to FY2025, worth $44.5M: 80 under 7(a) and 14 under 504.
That is 23.7 approvals per 1,000 business establishments (3,959 establishments in 2023), below the Kansas figure of 32.2 and below the national 41.0.
It ranks 5th of 93 Kansas counties with approvals. In FY2025 there were 28, up 75% on FY2024.
35 lenders had approvals here; the most active were Silver Lake Bank (15), Wakarusa Valley Development, Inc. (8) and Newtek Bank, National Association (6). 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 Shawnee County
By number of approvals to businesses in the county, FY2021–FY2025; 35 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Silver Lake BankTopeka, KS | 15 | $3.1M | 16.0% | |
| 2 | Wakarusa Valley Development, Inc.Lawrence, KS · CDC | 8 | $6.6M | 8.5% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 6 | $2.3M | 6.4% | |
| 4 | The Huntington National BankColumbus, OH | 6 | $1.7M | 6.4% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 6 | $707K | 6.4% | |
| 6 | Rural Missouri, Inc.Jefferson City, MO · CDC | 4 | $3.0M | 4.3% | |
| 7 | Busey BankChampaign, IL | 4 | $2.6M | 4.3% | |
| 8 | Landmark National BankManhattan, KS | 4 | $2.3M | 4.3% | |
| 9 | Community BankTopeka, KS | 4 | $1.1M | 4.3% | |
| 10 | Northeast BankLewiston, ME | 3 | $849K | 3.2% | |
| 11 | Capitol Federal Savings BankTopeka, KS | 3 | $652K | 3.2% | |
| 12 | The Bennington State BankSalina, KS | 3 | $625K | 3.2% | |
| 13 | Shoreham BankWarwick, RI | 2 | — | 2.1% | |
| 14 | Heritage BankTopeka, KS | 2 | — | 2.1% | |
| 15 | Kendall BankOverland Park, KS | 2 | — | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 17 | 18.1% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 8 | 8.5% | |
| 3 | Other Wood Product ManufacturingNAICS 3219 | 5 | 5.3% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 5 | 5.3% | |
| 5 | Used Merchandise RetailersNAICS 4595 | 5 | 5.3% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 4 | 4.3% | |
| 7 | Traveler AccommodationNAICS 7211 | 3 | 3.2% | |
| 8 | Lessors of Real EstateNAICS 5311 | 3 | 3.2% | |
| 9 | General Freight TruckingNAICS 4841 | 3 | 3.2% | |
| 10 | Architectural and Structural Metals ManufacturingNAICS 3323 | 2 | 2.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 20 | 21.3% | |
| 2 | Retail Trade | 15 | 16.0% | |
| 3 | Manufacturing | 13 | 13.8% | |
| 4 | Other Services (except Public Administration) | 12 | 12.8% | |
| 5 | Professional, Scientific, and Technical Services | 7 | 7.4% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 6 | 6.4% | |
| 7 | Transportation and Warehousing | 5 | 5.3% | |
| 8 | Health Care and Social Assistance | 5 | 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* | 8 | $3.0M | $225K | 0 | — | 8 | 73 |
| FY2025 | 27 | $12.4M | $296K | 1 | — | 28 | 426 |
| FY2024 | 15 | $5.2M | $250K | 1 | — | 16 | 121 |
| FY2023 | 5 | $2.0M | $20K | 3 | $1.7M | 8 | 64 |
| FY2022 | 17 | $6.4M | $239K | 4 | $2.6M | 21 | 145 |
| FY2021 | 16 | $6.6M | $281K | 5 | $6.1M | 21 | 331 |
| FY2020 | 19 | $11.5M | $302K | 4 | $1.1M | 23 | 444 |
| FY2019 | 15 | $3.1M | $150K | 4 | $2.5M | 19 | 135 |
| FY2018 | 18 | $4.2M | $137K | 3 | $1.3M | 21 | 239 |
| FY2017 | 15 | $6.4M | $167K | 4 | $2.4M | 19 | 118 |
| FY2016 | 23 | $3.7M | $100K | 4 | $2.5M | 27 | 297 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 109 approvals.
Against Kansas and the country
| FY2021–FY2025 | Shawnee County | Kansas | United States |
|---|---|---|---|
| Approvals | 94 | 2,451 | 342,825 |
| Approvals per 1,000 establishments | 23.7 | 32.2 | 41.0 |
| Median 7(a) approval | $250K | $225K | $190K |
| Median 504 approval | $649K | $581K | $657K |
| Average approval | $473K | $539K | $573K |
| 504 share of approvals | 14.9% | 8.6% | 11.0% |
| Jobs supported per approval, as reported | 11.6 | 11.5 | 10.5 |
| Share of state approvals | 3.8% | 100.0% | — |
Approval sizes
- $50,000 or less11.7%11
- $50,001 to $150,00019.1%18
- $150,001 to $350,00033.0%31
- $350,001 to $1 million24.5%23
- $1 million to $2 million8.5%8
- Over $2 million3.2%3
Age of the businesses
- Existing, more than 2 years old54.3%51
- New business, 2 years or less11.7%11
- Startup, loan funds will open the business19.1%18
- Change of ownership14.9%14
Questions and answers
Which lenders make the most SBA loans in Shawnee County?
By approvals in FY2021 to FY2025: Silver Lake Bank (15), Wakarusa Valley Development, Inc. (8), Newtek Bank, National Association (6), The Huntington National Bank (6), U.S. Bank, National Association (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Shawnee County?
The median 7(a) approval was $250K and the median 504 approval $649K; the Kansas 7(a) median was $225K.
Which industries get the most SBA loans in Shawnee County?
Restaurants and Other Eating Places (17); Automotive Repair and Maintenance (8); Other Wood Product Manufacturing (5); Other Amusement and Recreation Industries (5); Used Merchandise Retailers (5).
Is SBA lending in Shawnee County rising?
Approvals in the three latest complete fiscal years total 52, against 65 in the three before: falling (-20%).
How does Shawnee County compare with the rest of Kansas?
23.7 approvals per 1,000 establishments against 32.2 statewide, and 94 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