Lenders › Frontier Financial Partners, Inc.
504 CDCEmporia, Kansascertified development company111th of 182 by approvals
Frontier Financial Partners, Inc.
SBA 504 loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
Frontier Financial Partners, Inc. (Emporia, Kansas) is a certified development company (CDC) that makes SBA 504 loans, 111th of 182 by approvals in FY2021 to FY2025: 46 loans worth $48.9M.
In FY2025, the latest complete fiscal year, it had 5 approvals totalling $7.5M. FY2026 to 30 Jun 2026 adds 5 more.
The median approval was $666K, against $657K for the 504 program as a whole; 0.0% of its approvals were for $150,000 or less (program: 4.6%).
Its loans went to businesses in 5 states and territories and 26 counties, led by Kansas (80.4%), Missouri (13.0%) and New Mexico (2.2%). The largest industry group was accommodation and food services at 47.8% of approvals, and 30.4% of approvals were to franchise businesses.
Of 162 disbursed loans approved in FY2010 to FY2021, SBA records 8 as charged off (4.9%), 85 as paid in full and 69 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is above it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 5 | $8.4M | $873K | $1.7M | 33 |
| FY2025 | 5 | $7.5M | $1.5M | $1.5M | 126 |
| FY2024 | 4 | $3.5M | $666K | $863K | 25 |
| FY2023 | 10 | $12.5M | $1.0M | $1.3M | 147 |
| FY2022 | 13 | $17.0M | $985K | $1.3M | 189 |
| FY2021 | 14 | $8.5M | $543K | $608K | 199 |
| FY2020 | 9 | $8.9M | $560K | $984K | 131 |
| FY2019 | 6 | $4.6M | $608K | $762K | 57 |
| FY2018 | 12 | $8.0M | $366K | $664K | 171 |
| FY2017 | 11 | $7.9M | $556K | $720K | 183 |
| FY2016 | 10 | $14.9M | $894K | $1.5M | 280 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 48 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Kansas | 504 program |
|---|---|---|---|
| Approvals in these years | 178 | 641 | 85,591 |
| Cancelled or never disbursed | 16 | 84 | 12,514 |
| Disbursed loans | 162 | 557 | 73,077 |
| Paid in full | 85 | 274 | 35,491 |
| Charged off | 8 | 11 | 905 |
| Still outstanding (status exempt from disclosure) | 69 | 272 | 36,681 |
| Charged off, share of disbursed loans | 4.9% | 2.0% | 1.2% |
| Dollars charged off, share of disbursed dollars | 3.1% | 1.6% | 0.9% |
| Dollars charged off | $4.0M | $5.7M | $499M |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 504 program, same year |
|---|---|---|---|---|---|
| FY2021 | 12 | 1 | 0 | — | 0.1% |
| FY2020 | 9 | 0 | 0 | — | 0.1% |
| FY2019 | 6 | 1 | 0 | — | 0.3% |
| FY2018 | 10 | 4 | 0 | — | 0.4% |
| FY2017 | 11 | 7 | 0 | — | 0.8% |
| FY2016 | 8 | 2 | 0 | — | 1.0% |
| FY2015 | 7 | 2 | 0 | — | 1.2% |
| FY2014 | 18 | 9 | 3 | — | 1.3% |
| FY2013 | 16 | 10 | 0 | — | 1.4% |
| FY2012 | 22 | 13 | 3 | — | 2.0% |
| FY2011 | 22 | 20 | 1 | — | 2.1% |
| FY2010 | 21 | 16 | 1 | — | 3.4% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 504 program
| FY2021–FY2025 | This lender | 504 program |
|---|---|---|
| Median approval | $666K | $657K |
| Average approval | $1.1M | $1.0M |
| Approvals of $150,000 or less | 0.0% | 4.6% |
| Approvals to startups and businesses 2 years old or less | 32.6% | 14.4% |
| Approvals to franchise businesses | 30.4% | 9.0% |
| Jobs supported per approval, as reported | 14.9 | 10.1 |
| Charged off, loans approved FY2010–FY2021 | 4.9% | 1.2% |
States served
| # | State of the business (5 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Kansas | 37 | $36.6M | 80.4% | |
| 2 | Missouri | 6 | $7.8M | 13.0% | |
| 3 | New Mexico | 1 | — | 2.2% | |
| 4 | Oklahoma | 1 | — | 2.2% | |
| 5 | Nebraska | 1 | — | 2.2% |
In Kansas the lender accounts for 17.6% of all 504 approvals in FY2021–FY2025.
Counties served
| # | County of the business (26 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Johnson County, KS | 7 | $6.4M | 15.2% | |
| 2 | Sedgwick County, KS | 7 | $3.6M | 15.2% | |
| 3 | Ellis County, KS | 4 | $1.6M | 8.7% | |
| 4 | Jackson County, MO | 3 | $4.1M | 6.5% | |
| 5 | Saline County, KS | 2 | — | 4.3% | |
| 6 | Clay County, MO | 2 | — | 4.3% | |
| 7 | Riley County, KS | 2 | — | 4.3% | |
| 8 | McPherson County, KS | 1 | — | 2.2% | |
| 9 | Dickinson County, KS | 1 | — | 2.2% | |
| 10 | Wyandotte County, KS | 1 | — | 2.2% | |
| 11 | Pettis County, MO | 1 | — | 2.2% | |
| 12 | Bernalillo County, NM | 1 | — | 2.2% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 22 | 47.8% | |
| 2 | Health Care and Social Assistance | 9 | 19.6% | |
| 3 | Other Services (except Public Administration) | 5 | 10.9% | |
| 4 | Wholesale Trade | 3 | 6.5% | |
| 5 | Arts, Entertainment, and Recreation | 2 | 4.3% | |
| 6 | Manufacturing | 1 | 2.2% | |
| 7 | Retail Trade | 1 | 2.2% | |
| 8 | Educational Services | 1 | 2.2% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 15 | 32.6% | |
| 2 | Traveler AccommodationNAICS 7211 | 6 | 13.0% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 10.9% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 3 | 6.5% | |
| 5 | Offices of DentistsNAICS 6212 | 2 | 4.3% | |
| 6 | Child Day Care ServicesNAICS 6244 | 2 | 4.3% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 4.3% | |
| 8 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 1 | 2.2% | |
| 9 | Architectural and Structural Metals ManufacturingNAICS 3323 | 1 | 2.2% | |
| 10 | Gasoline StationsNAICS 4571 | 1 | 2.2% |
Approval sizes
- $150,001 to $350,00013.0%6
- $350,001 to $1 million52.2%24
- $1 million to $2 million21.7%10
- Over $2 million13.0%6
Loan terms
- Over 5 to 10 years2.2%1
- Over 10 to 20 years50.0%23
- Over 20 years47.8%22
Age of the businesses
- Existing, more than 2 years old67.4%31
- New business, 2 years or less2.2%1
- Startup, loan funds will open the business30.4%14
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accredited Lenders Program | 43 | 93.5% | |
| 2 | ALP Express | 2 | 4.3% | |
| 3 | 504 Basic | 1 | 2.2% |
Franchise share
14 of 46 approvals in FY2021–FY2025 (30.4%) carried an SBA franchise code; across the 504 program the share is 9.0%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Ihop | 3 | 6.5% | |
| 2 | Paris Baguette | 2 | 4.3% | |
| 3 | Church's Chicken | 2 | 4.3% | |
| 4 | Candlewood Suites | 1 | 2.2% | |
| 5 | Holiday Inn Express | 1 | 2.2% | |
| 6 | Fairfield by Marriott | 1 | 2.2% | |
| 7 | Courtyard by Marriott | 1 | 2.2% | |
| 8 | DQ Treat | 1 | 2.2% |
Third-party lenders in its 504 projects
A 504 project pairs the CDC's loan with a larger loan from a bank or other lender. Banks and credit unions named on five or more of this CDC's projects in FY2021–FY2025:
| # | Third-party lender | Projects | Share | |
|---|---|---|---|---|
| 1 | Bank of Hays | 6 | 13.0% | |
| 2 | Central National Bank | 5 | 10.9% |
Questions and answers
How many SBA loans does Frontier Financial Partners, Inc. make?
SBA approved 5 504 loans through Frontier Financial Partners, Inc. in FY2025, worth $7.5M, and 46 over FY2021 to FY2025. That ranks 111th of 182 active CDCs by number of approvals.
How large are Frontier Financial Partners, Inc.'s typical SBA loans?
The median 504 approval in FY2021 to FY2025 was $666K and the average $1.1M. The program-wide median was $657K.
What is Frontier Financial Partners, Inc.'s charge-off rate?
Of 162 disbursed loans approved in FY2010 to FY2021, SBA records 8 as charged off (4.9%), 85 as paid in full and 69 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is above it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Frontier Financial Partners, Inc. lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (15); traveler accommodation (6); automotive repair and maintenance (5); offices of other health practitioners (3).
Where does Frontier Financial Partners, Inc. make SBA loans?
In 5 states and territories. Kansas 37, Missouri 6, New Mexico 1, Oklahoma 1, Nebraska 1. In Kansas it accounts for 17.6% of all 504 approvals.
Is Frontier Financial Partners, Inc.'s SBA lending rising?
Approvals in the three latest complete fiscal years total 19, against 36 in the three before: falling (-47%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error