# Small business loans in Kansas City, KS

**Short answer:** The most active SBA lenders in Kansas City, KS since FY2024 are U.S. Bank (8 loans) and OakStar Bank (7). The median loan was $485,800, and half fell between $100,000 and $1,000,000. For free help, see the Kansas Small Business Development Center. Source: SBA 7(a) loan data.

Canonical page: https://www.sbaexpress.loans/kansas-small-business-loans/kansas-city/
Data as of: 2026-06-30

## Lenders making SBA loans in Kansas City

No lender made more than 20% of the loans in Kansas City, and U.S. Bank made the most. The three largest lenders together made 51%.

**Lenders with five or more SBA loans in Kansas City, KS, FY2024 to June 2026**

| Lender | Loans | Share |
| --- | --- | --- |
| [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/) | 8 | 19.5% |
| [OakStar Bank](https://www.sbaexpress.loans/sba-express-lenders/oakstar-bank/kansas/) | 7 | 17.1% |
| [Community Banks of Colorado, A Division of NBH Bank](https://www.sbaexpress.loans/sba-express-lenders/community-banks-of-colorado-a-division-of-nbh-bank/) | 6 | 14.6% |

Share is the percent of all Kansas City loans in that period. Each name links to that lender's page for Kansas where one exists.

Kansas City has three lenders with five or more loans since FY2024. Others had fewer, and the Kansas page counts 144 lenders with at least one approved loan statewide.

## Local help near Kansas City

Kansas City borrowers can start with SBA's district offices for Kansas, an SBDC or SCORE.

SBA runs two district offices that cover Kansas. Each page points to state and federal resources and to lenders in its area. The Kansas Small Business Development Center gives free counseling across Kansas. The SBA Kansas City District Office (serves eastern Kansas) comes first below because its name matches Kansas City.

- [SBA Kansas City District Office (serves eastern Kansas): SBA district office](https://www.sba.gov/district/kansas-city)
- [SBA Wichita District Office (serves central and western Kansas): SBA district office](https://www.sba.gov/district/wichita)
- [Kansas Small Business Development Center (Fort Hays State University): Small Business Development Center](https://www.kansassbdc.net/)
- [SCORE mentors in Kansas: Business mentoring](https://www.score.org/ks/)

Alongside SBA loans, Kansas runs a loan program. The [Kansas page](https://www.sbaexpress.loans/kansas-small-business-loans/#loan-programs-in-kansas) describes it, and the official page is linked here.

- [GrowKS Loan Program](https://networkkansas.com/services/growks/loans/)

## Loan counts and sizes in Kansas City

Kansas City ranks 5th by loans since FY2024 among the 5 Kansas cities with 100 or more SBA loans since FY2020. Nationally it is the 563rd busiest of the 580 cities that reach 100 loans.

The 41 loans, 3.9% of the 1,064 in Kansas, were approved for $30.2 million in all. The median loan was $485,800, 3.2 times the national median of $150,300. Half of the loans fell between $100,000 and $1,000,000. The Kansas City median is 99% above the Kansas median of $244,350.

**Kansas City, KS compared with Kansas and the nation, loans from FY2024 to June 2026**

| Measure | Kansas City | Kansas | U.S. |
| --- | --- | --- | --- |
| Loans | 41 | 1,064 | 162,355 |
| Median loan | $485,800 | $244,350 | $150,300 |
| 25th percentile | $100,000 | $97,900 | $50,000 |
| 75th percentile | $1,000,000 | $533,625 | $500,000 |
| Via SBA Express | 34.1% | 27.3% | 35.8% |
| Lines of credit | 26.8% | 20.0% | 28.1% |
| Startups | n/a | 22.2% | 16.1% |
| Ownership changes | n/a | 14.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 1.5 | 2.25 | 2.75 |
| Charged off | 0.0% | 1.8% | 3.6% |

A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.

34.1% of all loans went through SBA Express, close to the national 35.8%. Lines of credit were 26.8% of loans, close to the national 28.1%.

SBA loans in Kansas City, KS by size, FY2024 to June 2026

- $50,000 or less (20%): 8
- $50,001 to $150,000 (15%): 6
- $150,001 to $350,000 (15%): 6
- $350,001 to $500,000: Fewer than 5
- $500,001 to $1,000,000 (20%): 8
- $1,000,001 to $2,000,000 (15%): 6
- Over $2,000,000: Fewer than 5

Labels show each size's share of all loans.

SBA loans in Kansas City, KS by fiscal year

- FY2020: 10
- FY2021: 21
- FY2022: 12
- FY2023: 17
- FY2024: 18
- FY2025: 14
- FY2026 (through June 30): 9

Fiscal years run October to September. The last bar covers nine of its twelve months.

Volume fell 22% from FY2024 (18 loans) to FY2025 (14), the two latest full years. The busiest full year in the file was FY2021, with 21 loans. FY2026 already shows 9 loans through June 30.

Of the 43 loans Kansas City borrowers received in FY2020 to FY2022, 0.0% were charged off by June 30, 2026, against 3.6% nationally. That group is small, so treat the rate as rough. Lenders reported 588 jobs supported across the 41 loans since FY2024, about 14.3 per loan. SBA does not audit these estimates.

## What businesses in Kansas City borrow for

Landscaping Services was the largest borrower group in Kansas City since FY2020, with 10 loans or 9.9% of the total.

Landscaping Services stands out: its 10 loans are 9.9% of Kansas City loans, against 1.7% nationally, 5.9 times its national share.

**Industries with the most SBA loans in Kansas City, KS, FY2020 to June 2026**

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [Landscaping Services](https://www.sbaexpress.loans/industries/landscaping-services/) | 10 | 9.9% | 1.7% |
| [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/kansas/) | 5 | 5.0% | 4.6% |

Share is the percent of all Kansas City loans in that period. Industry is the NAICS code on each loan. A name links to the Kansas page for that industry where one exists.

## A typical loan payment in Kansas City

The median Kansas City loan was $485,800 with a median term of 10 years.

The median variable-rate loan in Kansas City was priced at Prime plus 1.5 percentage points at approval. At today's Prime that spread works out to 8.50%. On $485,800 over 10 years, principal and interest would come to about $6,023 a month. That is arithmetic on past loans, not a rate a lender is offering.

**Payment at today's rate on three Kansas City loan sizes over 10 years**

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $100,000 | $1,240 |
| Median loan | $485,800 | $6,023 |
| 75th percentile loan | $1,000,000 | $12,399 |

Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.

SBA's rate ceiling for this loan size

SBA's maximum for a loan of $485,800 is Prime plus 3.0 percentage points, or 10.00% today. The median variable-rate loan here was priced 1.5 points under that ceiling. Source: 13 CFR § 120.214(d)(4); SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.5 (Para. B begins p. 126).

Kansas City loans approved since FY2024 had a median starting rate of 9.25% at approval, against 10.25% nationally. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.

Run your own numbers: [payments on a $500,000 loan](https://www.sbaexpress.loans/loan-amounts/500000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Kansas City

Kansas City has 8 SBA 504 loans since FY2020, with $13.0 million in SBA and CDC dollars.

Fewer than five of them came in FY2024 or later, so no recent median is published. The bank's share of each project is separate and is not counted in these figures.

No Certified Development Company (CDC) is named on five or more 504 loans in Kansas City, so the list below is Kansas's. Rural Missouri, Inc. is named on the most there, 30 loans since FY2024.

**CDCs named on five or more 504 loans in Kansas, FY2024 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| Rural Missouri, Inc. | 30 |
| Wakarusa Valley Development, Inc. | 18 |
| Frontier Financial Partners, Inc. | 12 |
| Heartland Business Capital, Inc. | 11 |
| South Central Kansas Economic Development District, Inc. | 7 |

How a 504 loan is split

A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capital or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a [list of Certified Development Companies](https://www.sba.gov/loans/504-loans/list-of-certified-development-companies/).

## Kansas cities near Kansas City

Kansas City made up 3.9% of Kansas's SBA loans since FY2024.

Kansas City is one of 5 Kansas cities with 100 or more SBA loans since FY2020. The [Kansas page](https://www.sbaexpress.loans/kansas-small-business-loans/) covers all 1,064 loans in Kansas. The closest come first, ranked by county and ZIP code on their loans.

- [Olathe: 65 loans, median $293,000](https://www.sbaexpress.loans/kansas-small-business-loans/olathe/)
- [Overland Park: 148 loans, median $306,000](https://www.sbaexpress.loans/kansas-small-business-loans/overland-park/)
- [Lenexa: 66 loans, median $325,000](https://www.sbaexpress.loans/kansas-small-business-loans/lenexa/)
- [Wichita: 165 loans, median $255,800](https://www.sbaexpress.loans/kansas-small-business-loans/wichita/)

## Common questions about SBA loans in Kansas City

### Which lenders make the most SBA loans in Kansas City?

U.S. Bank leads with 8 loans in Kansas City since FY2024. OakStar Bank (7) and Community Banks of Colorado, A Division of NBH Bank (6) follow. Only lenders with five or more Kansas City loans are counted.

### Which industries get SBA loans in Kansas City?

Landscaping Services leads with 10 loans in Kansas City since FY2020. Full-Service Restaurants (5) follows.

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. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. [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)
- [SBA, 504 loans](https://www.sba.gov/loans/504-loans/)
- [SBA, resource partners: SBDCs and SCORE](https://www.sba.gov/counseling/local-assistance/resource-partners/)
- [SBA Wichita District Office (serves central and western Kansas)](https://www.sba.gov/district/wichita)
- [SBA Kansas City District Office (serves eastern Kansas)](https://www.sba.gov/district/kansas-city)
- [Kansas Small Business Development Center (Fort Hays State University)](https://www.kansassbdc.net/)
- [SCORE, Kansas](https://www.score.org/ks/)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)](https://www.sba.gov/loans/504-loans/)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.214(d)(4); SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.5 (Para. B begins p. 126)](https://www.ecfr.gov/current/title-13/section-120.214)