SBA Ledger

States › Kansas

State0.7% of US approvals221 lenders active

SBA loans in Kansas

7(a) and 504 approvals by fiscal year, the lenders behind them, and where in the state they went. Pick a fiscal year for that year's lenders and counties.

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 2,451 small business loans in Kansas in FY2021 to FY2025: 2,241 under the 7(a) program and 210 under 504, worth $1.32bn together.

That is 32.2 approvals for every 1,000 business establishments in the state, against 41.0 nationally, and 0.7% of all approvals in the country (35th of 54 states and territories).

In FY2025 there were 520 approvals totalling $268M, about level with FY2024. The median 7(a) approval over the five years was $225K and the median 504 approval $581K.

221 lenders had at least one approval in the state; by number of 7(a) approvals the most active were Emprise Bank (117), U.S. Bank, National Association (115) and Bank of Hays (102).

Of 7(a) loans approved in FY2010 to FY2021 and disbursed, SBA records 6.2% as charged off, against 6.6% nationally.

520approvals, FY20252,451 in FY2021–FY2025
$268Mapproved, FY2025$1.32bn in FY2021–FY2025
32.2approvals per 1,000 establishments, FY2021–FY2025US: 41.0
$225Kmedian 7(a) approvalUS: $190K
6.2%7(a) loans approved FY2010–FY2021 charged offUS: 6.6%

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.

Most active 7(a) lenders in Kansas

Ranked by number of approvals to businesses in the state, FY2021–FY2025. The column of bars shows each lender's approvals here in every fiscal year; the charged-off column is the lender's nationwide figure.

#LenderApprovals in KS, FY2021–25DollarsShareMedian approval, all statesFY2016–26Charged off, FY2010–21 loans
1Emprise BankWichita, KS117$48.6M5.2%$250K6.3%
2U.S. Bank, National AssociationCincinnati, OH115$18.3M5.1%$45K6.2%
3Bank of HaysHays, KS102$25.2M4.6%$91K5.0%
4Equity BankAndover, KS80$46.8M3.6%$272K1.7%
5The Huntington National BankColumbus, OH79$23.3M3.5%$92K5.7%
6Northeast BankLewiston, ME68$9.1M3.0%$106K12.8%
7Commerce BankKansas City, MO66$15.4M2.9%$100K1.8%
8Dream First Bank National AssociationSyracuse, KS58$34.6M2.6%$350K0.0%
9INTRUST Bank National AssociationWichita, KS57$18.8M2.5%$200K3.3%
10Small Business BankLenexa, KS55$13.2M2.5%$140K0.9%
11UMB Bank, National AssociationKansas City, MO50$27.2M2.2%$356K5.5%
12BayFirst National BankSaint Petersburg, FL49$7.3M2.2%$150K19.2%
13Readycap Lending, LLCBerkeley Heights, NJ47$15.0M2.1%$138K4.3%
14OakStar BankSpringfield, MO46$39.3M2.1%$393K8.8%
15Newtek Bank, National AssociationMiami, FL44$25.3M2.0%$225K—
16Community National Bank & TrustChanute, KS42$12.6M1.9%$200K4.3%
17Farmers Bank and TrustGreat Bend, KS41$7.6M1.8%$109K0.0%
18Live Oak Banking CompanyWilmington, NC38$55.4M1.7%$850K2.2%
19Kendall BankOverland Park, KS36$32.6M1.6%$521K—
20First National Bank of OmahaOmaha, NE35$11.0M1.6%$201K4.3%
21United Midwest Savings Bank National AssociationDe Graff, OH35$7.6M1.6%$150K15.9%
22Fidelity Bank, National AssociationWichita, KS31$23.5M1.4%$485K1.9%
23Wells Fargo Bank National AssociationSioux Falls, SD31$19.4M1.4%$15K7.9%
24KCB BankLakin, KS30$11.9M1.3%$125K2.7%
25Celtic Bank CorporationSalt Lake City, UT28$21.6M1.2%$150K17.0%
26First Bank of the LakeOsage Beach, MO27$22.9M1.2%$350K2.7%
27Silver Lake BankTopeka, KS26$5.6M1.2%$150K0.0%
28Busey BankChampaign, IL25$25.2M1.1%$746K6.5%
29Community Banks of Colorado, A Division of NBH BankGreenwood Village, CO24$10.3M1.1%$500K4.0%
30South Central Kansas Economic Development District, Inc.Wichita, KS22$2.3M1.0%$74K—
31CommunityAmerica Federal Credit UnionLenexa, KS21$13.5M0.9%$250K—
32Arvest BankFayetteville, AR21$7.1M0.9%$100K4.9%
33Landmark National BankManhattan, KS20$18.5M0.9%$614K0.9%
34The BankOberlin, KS19$3.1M0.8%$50K—
35Sunflower Bank National AssociationDallas, TX17$15.1M0.8%$495K3.0%
36Community First National BankManhattan, KS17$2.9M0.8%$106K3.8%
37Capitol Federal Savings BankTopeka, KS17$2.8M0.8%$156K1.8%
38The Lyon County State BankEmporia, KS15$6.9M0.7%$44K9.4%
39RCB BankClaremore, OK15$2.5M0.7%$100K4.0%
40Bank Five NineOconomowoc, WI14$10.9M0.6%$450K4.5%

504 certified development companies

#LenderApprovals in KS, FY2021–25DollarsShareMedian approval, all statesFY2016–26Charged off, FY2010–21 loans
1Rural Missouri, Inc.Jefferson City, MO · 504 CDC68$68.6M32.4%$588K0.8%
2Heartland Business Capital, Inc.Overland Park, KS · 504 CDC44$34.4M21.0%$596K0.9%
3Wakarusa Valley Development, Inc.Lawrence, KS · 504 CDC44$30.4M21.0%$493K1.0%
4Frontier Financial Partners, Inc.Emporia, KS · 504 CDC37$36.6M17.6%$666K4.9%
5South Central Kansas Economic Development District, Inc.Wichita, KS · 504 CDC15$8.2M7.1%$413K—
6Enterprise Development CorporationColumbia, MO · 504 CDC1—0.5%$327K1.4%
7Nebraska Economic Development CorporationLincoln, NE · 504 CDC1—0.5%$626K0.9%

Fiscal-year ledger

Fiscal year7(a) approvals7(a) dollarsMedian 7(a)504 approvals504 dollarsAll approvalsJobs supported, as reported
FY2026*269$164M$250K24$25.0M2933,089
FY2025496$244M$240K24$24.6M5205,804
FY2024468$253M$200K32$36.9M5005,216
FY2023418$205M$197K33$33.4M4515,990
FY2022394$167M$183K52$38.9M4464,819
FY2021465$270M$325K69$47.8M5346,434
FY2020402$178M$224K47$38.3M4495,285
FY2019380$154M$150K38$26.6M4184,618
FY2018382$165M$169K45$31.3M4274,587
FY2017441$179M$167K48$30.1M4896,161
FY2016465$189M$150K42$36.3M5076,286

7(a) approvals504 approvals

919293949596979899000102030405060708091011121314151617181920212223242526
SBA approvals in Kansas by fiscal year, FY1991 to FY2026.

Counties

Approvals in FY2021–FY2025 set against the Census Bureau's count of business establishments. Counties with at least 30 approvals have their own page.

#CountyApprovalsDollarsEstablishmentsPer 1,000 establishmentsBy fiscal year
1Johnson County868$474M18,99945.7
2Sedgwick County439$253M12,71034.5
3Wyandotte County111$74.5M3,14135.3
4Douglas County97$54.4M2,77435.0
5Shawnee County94$44.5M3,95923.7
6Ellis County93$28.7M1,11083.8
7Butler County64$32.1M1,39645.8
8Leavenworth County56$34.7M1,33242.0
9Finney County47$26.3M1,04445.0
10Riley County46$11.9M1,62028.4
11Barton County33$14.0M86638.1
12Miami County26$13.8M77733.5
13Lyon County18$5.6M83921.5
14Montgomery County17$7.6M70524.1
15Jefferson County17$8.7M31653.8
16McPherson County17$7.8M87619.4
17Crawford County16$7.6M90117.8
18Reno County16$15.3M1,59010.1
19Geary County15$5.9M56626.5
20Saline County14$6.4M1,4899.4
21Franklin County14$8.1M53326.3
22Cowley County13$8.5M71918.1
23Ford County11$14.2M80313.7
24Bourbon County11$5.6M36330.3
25Pawnee County11$2.3M14078.6
26Pottawatomie County10$7.1M70314.2
27Thomas County10$21.7M33230.1
28Norton County9$525K16953.3
29Grant County9$5.0M21042.9
30Sumner County9$4.8M48318.6
31Neosho County9$14.0M41721.6
32Labette County8$4.3M44318.1
33Ness County8$4.9M12265.6
34Harvey County7$5.4M7789.0
35Nemaha County7$3.1M37118.9
36Stevens County7$1.9M13950.4
37Russell County7$1.5M24628.5
38Dickinson County7$9.6M46115.2
39Edwards County7$599K7297.2
40Seward County6$1.9M55610.8
41Cherokee County6$1.2M32518.5
42Kingman County6$5.7M21028.6
43Mitchell County6$5.0M23725.3
44Allen County6$1.1M35317.0
45Stanton County6$2.9M54111.1
46Decatur County6$1.4M9861.2
47Gray County5$1.8M22821.9
48Atchison County5$1.7M36413.7
49Haskell County5$3.3M12938.8
50Rawlins County5$882K8856.8
51Cheyenne County5$955K10547.6
52Republic County5$1.1M17528.6
53Rush County5$768K9851.0
54Harper County5$1.4M18527.0
55Gove County4$2.4M12731.5
56Kearny County4$1.3M8348.2
57Osage County4$415K26115.3
58Greenwood County4$610K16025.0
59Sherman County4$3.1M25915.4
60Marshall County4$2.9M36411.0
61Rooks County4$479K16524.2
62Barber County3$239K17217.4
63Clay County3$4.8M26111.5
64Wilson County3$438K20214.9
65Brown County3$3.0M27710.8
66Pratt County3$891K3728.1
67Hamilton County3$967K7440.5
68Cloud County3$1.6M28710.5
69Jackson County3$303K26011.5
70Anderson County3$1.6M19815.2
71Linn County3$146K20114.9
72Phillips County2—2119.5
73Graham County2—9122.0
74Marion County2—2837.1
75Logan County2—10319.4
76Osborne County2—13414.9
77Morris County2—14713.6
78Wabaunsee County2—13115.3
79Stafford County2—11717.1
80Ellsworth County2—15213.2
81Coffey County2—2039.9
82Chautauqua County2—6929.0
83Trego County1—1277.9
84Rice County1—2653.8
85Meade County1—1248.1
86Doniphan County1—1606.3
87Scott County1—2064.9
88Sheridan County1—1049.6
89Wichita County1—8711.5
90Wallace County1—6216.1
91Lane County1—7313.7
92Kiowa County1—7313.7
93Clark County1—6016.7

Industries

#Industry group (NAICS 4-digit)ApprovalsDollarsShare
1Restaurants and Other Eating PlacesNAICS 7225224$122M9.1%
2Offices of Other Health PractitionersNAICS 6213102$27.9M4.2%
3Other Amusement and Recreation IndustriesNAICS 713997$53.1M4.0%
4Services to Buildings and DwellingsNAICS 561788$36.1M3.6%
5Automotive Repair and MaintenanceNAICS 811187$44.9M3.5%
6Personal Care ServicesNAICS 812186$23.2M3.5%
7Traveler AccommodationNAICS 721169$136M2.8%
8Building Equipment ContractorsNAICS 238261$30.8M2.5%
9General Freight TruckingNAICS 484155$24.8M2.2%
10Other Specialty Trade ContractorsNAICS 238954$21.0M2.2%
11Foundation, Structure, and Building Exterior ContractorsNAICS 238147$18.6M1.9%
12Other Professional, Scientific, and Technical ServicesNAICS 541946$31.6M1.9%
13Other Personal ServicesNAICS 812945$22.9M1.8%
14Residential Building ConstructionNAICS 236145$8.5M1.8%
15Building Finishing ContractorsNAICS 238343$12.7M1.8%

Sectors

#NAICS sectorApprovalsShare
1Accommodation and Food Services32513.3%
2Construction28111.5%
3Retail Trade27911.4%
4Health Care and Social Assistance26210.7%
5Other Services (except Public Administration)24810.1%
6Manufacturing1927.8%
7Professional, Scientific, and Technical Services1917.8%
8Administrative and Support and Waste Management and Remediation Services1395.7%
9Arts, Entertainment, and Recreation1104.5%
10Transportation and Warehousing1044.2%

Franchise brands

#BrandApprovalsShare
1Scooter's Coffee140.6%
2Domino's Pizza80.3%
3Goodcents60.2%
4BLUSH Boot Camp60.2%
5Best Western50.2%
6Super 8 by Wyndhan50.2%
7Motel 650.2%
8Scenthound50.2%
9Days Inn40.2%
10Massage Heights40.2%

How earlier loans turned out

Kansas, 7(a)6.2%
United States, 7(a)6.6%
Kansas, 5042.0%
United States, 5041.2%
Share of disbursed loans approved FY2010–FY2021 that SBA records as charged off, by program.
Loans approved FY2010–FY2021KS 7(a)US 7(a)KS 504US 504
Approvals in these years5,222639,90564185,591
Cancelled or never disbursed51679,3138412,514
Disbursed loans4,706560,59255773,077
Paid in full3,700435,81327435,491
Charged off29036,89111905
Still outstanding (status exempt from disclosure)71687,88827236,681
Charged off, share of disbursed loans6.2%6.6%2.0%1.2%
Dollars charged off, share of disbursed dollars3.5%2.5%1.6%0.9%
Dollars charged off$63.5M$5.70bn$5.7M$499M

Approval sizes

Age of the businesses

Against the country

FY2021–FY2025KansasUnited States
Approvals per 1,000 establishments32.241.0
Median 7(a) approval$225K$190K
Median 504 approval$581K$657K
504 share of approvals8.6%11.0%
Jobs supported per approval, as reported11.510.5
Approvals, change on FY2016–FY20207%10%

Questions and answers

Which lenders make the most SBA loans in Kansas?

By 7(a) approvals in FY2021 to FY2025: Emprise Bank (117), U.S. Bank, National Association (115), Bank of Hays (102), Equity Bank (80), The Huntington National Bank (79). For 504 loans: Rural Missouri, Inc. (68), Heartland Business Capital, Inc. (44), Wakarusa Valley Development, Inc. (44). Volume says how active a lender is, nothing about terms or service.

How large are typical SBA loans in Kansas?

The median 7(a) approval was $225K and the median 504 approval $581K; the average across both programs was $539K.

Which industries get the most SBA loans in Kansas?

Restaurants and Other Eating Places (224); Offices of Other Health Practitioners (102); Other Amusement and Recreation Industries (97); Services to Buildings and Dwellings (88); Automotive Repair and Maintenance (87).

Which Kansas counties receive the most SBA loans?

Johnson County (868), Sedgwick County (439), Wyandotte County (111), Douglas County (97), Shawnee County (94), by approvals in FY2021 to FY2025.

Is SBA lending in Kansas rising?

Approvals in the three latest complete fiscal years total 1,471, against 1,429 in the three before: broadly level (+3%).

What share of SBA loans in Kansas are charged off?

Of 7(a) loans approved in FY2010 to FY2021 and disbursed, 6.2% are recorded as charged off (national: 6.6%); for 504 loans the figure is 2.0% (national: 1.2%). Newer loans are left out because most have not had time to reach either outcome.

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