# SBA loans to sit-down restaurants in Kansas **Short answer:** SBA's loan file shows 94 loans to sit-down restaurants in Kansas since October 2019. 5.3% went to businesses two years old or younger, against 16.4% nationally. Canonical page: https://www.sbaexpress.loans/industries/full-service-restaurants/kansas/ Data as of: 2026-06-30 These are the 94 SBA 7(a) loans to [sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) in [Kansas](https://www.sbaexpress.loans/kansas-small-business-loans/) approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other. ## How Kansas differs from the U.S. **What this means for you.** If yours is a new business, lenders in Kansas funded businesses two years old or younger less often here than lenders did nationally, so ask early whether a lender funds new businesses. ### Businesses two years old or younger 5.3% of the loans in Kansas went to businesses two years old or younger, against 16.4% nationally. In business 2 years or less, share of loans, Oct 2019 to Jun 2026 - Kansas: 5.3% - United States: 16.4% We compared 9 measures with the national figure for the same period, and this is the one that differs clearly. One more difference is in the table. ## Kansas next to the U.S. **Kansas compared with all loans to sit-down restaurants in the U.S., October 2019 to June 2026** | Measure | Kansas | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 3.6% | 4.5% | No clear gap | | Median loan | $288,000 | $274,500 | No clear gap | | Middle half of loans | $125,775 to $499,950 | $84,000 to $661,100 | – | | Startups (the loan opens the business) | 40.4% | 25.7% | Clearly higher | | In business 2 years or less | 5.3% | 16.4% | Clearly lower | | In business more than 2 years | 35.1% | 43.8% | No clear gap | | Change of ownership | 18.1% | 13.3% | No clear gap | | SBA Express | 20.2% | 31.1% | No clear gap | | Lines of credit | 9.6% | 17.9% | No clear gap | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2 points over Prime | 2.5 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## Who lends in Kansas The 3 lenders below made 20 of the 94 loans approved October 2019 to June 2026, or 21.3%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in Kansas** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Emprise Bank](https://www.sbaexpress.loans/sba-express-lenders/emprise-bank/) | 10 | 10.6% | Not in top 5 | | [Newtek Bank](https://www.sbaexpress.loans/sba-express-lenders/newtek-bank/) | 5 | 5.3% | 3.0% | | [OakStar Bank](https://www.sbaexpress.loans/sba-express-lenders/oakstar-bank/) | 5 | 5.3% | Not in top 5 | Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry. ## Sit-down restaurants in other states Other states where these loans differ clearly from the national pattern, most loans first. **Sit-down restaurants by state** | State | Loans since October 2019 | | --- | --- | | [California](https://www.sbaexpress.loans/industries/full-service-restaurants/california/) | 1,924 | | [Texas](https://www.sbaexpress.loans/industries/full-service-restaurants/texas/) | 1,118 | | [New York](https://www.sbaexpress.loans/industries/full-service-restaurants/new-york/) | 945 | | [Florida](https://www.sbaexpress.loans/industries/full-service-restaurants/florida/) | 897 | | [Ohio](https://www.sbaexpress.loans/industries/full-service-restaurants/ohio/) | 790 | | [Michigan](https://www.sbaexpress.loans/industries/full-service-restaurants/michigan/) | 584 | | [Georgia](https://www.sbaexpress.loans/industries/full-service-restaurants/georgia/) | 580 | | [Pennsylvania](https://www.sbaexpress.loans/industries/full-service-restaurants/pennsylvania/) | 546 | ## More industries in Kansas Other industries in Kansas with a clear difference from the national pattern, most loans first. **Other industries in Kansas** | Industry | Loans since October 2019 | | --- | --- | | [Hotels and motels](https://www.sbaexpress.loans/industries/hotels-motels/kansas/) | 69 | | [Home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/kansas/) | 50 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)