Small business loans in Lenexa, KS
Short answer
U.S. Bank made the most SBA loans in Lenexa, KS since FY2024, with 5. The median loan was $325,000, and half fell between $112,500 and $697,575. For free help, see the Kansas Small Business Development Center. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 66
- approved since FY2024
- $50.44M
- median loan
- $325,000
- through SBA Express
- 30.3%
Lenders making SBA loans in Lenexa
No lender made more than 8% of the loans in Lenexa, and U.S. Bank made the most.
| Lender | Loans | Share |
|---|---|---|
| U.S. Bank | 5 | 7.6% |
Share is the percent of all Lenexa loans in that period. Each name links to that lender's page for Kansas where one exists.
Lenexa has one lender with five or more loans since FY2024. Others had fewer, and the Kansas page counts 144 lenders with at least one approved loan statewide.
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Local help near Lenexa
Lenexa borrowers can start with SBA's district offices for Kansas, an SBDC or SCORE.
38% of Lenexa borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.
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.
- SBA Wichita District Office (serves central and western Kansas)SBA district office
- SBA Kansas City District Office (serves eastern Kansas)SBA district office
- Kansas Small Business Development Center (Fort Hays State University)Small Business Development Center
- SCORE mentors in KansasBusiness mentoring
Alongside SBA loans, Kansas runs a loan program. The Kansas page describes it, and the official page is linked here.
Loan counts and sizes in Lenexa
Lenexa ranks 3rd by loans since FY2024 among the 5 Kansas cities with 100 or more SBA loans since FY2020. Nationally it is the 394th busiest of the 580 cities that reach 100 loans.
The 66 loans, 6.2% of the 1,064 in Kansas, were approved for $50.4 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $325,000, 2.2 times the national median of $150,300. Half of the loans fell between $112,500 and $697,575. The Lenexa median is 33% above the Kansas median of $244,350.
| Measure | Lenexa | Kansas | U.S. |
|---|---|---|---|
| Loans | 66 | 1,064 | 162,355 |
| Median loan | $325,000 | $244,350 | $150,300 |
| 25th percentile | $112,500 | $97,900 | $50,000 |
| 75th percentile | $697,575 | $533,625 | $500,000 |
| Via SBA Express | 30.3% | 27.3% | 35.8% |
| Lines of credit | 22.7% | 20.0% | 28.1% |
| Startups | 19.7% | 22.2% | 16.1% |
| Ownership changes | 12.1% | 14.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.5 | 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.
71% of the loans were $500,000 or less, the size SBA Express covers. 30.3% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 22.7% of loans, below the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
By business age, 50.0% of loans went to businesses more than two years old and 18.2% to businesses two years old or younger. Startups received 19.7% and changes of ownership 12.1%. The national startup share is 16.1%.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume fell 35% from FY2024 (31 loans) to FY2025 (20), the two latest full years. The busiest full year in the file was FY2024, with 31 loans. FY2026 already shows 15 loans through June 30.
Of the 46 loans Lenexa borrowers received in FY2020 to FY2022, 0.0% were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. That group is small, so treat the rate as rough. Lenders reported 683 jobs supported across the 66 loans since FY2024, about 10.3 per loan. SBA does not audit these estimates.
What businesses in Lenexa borrow for
Plumbing, Heating, and Air-Conditioning Contractors was the largest borrower group in Lenexa since FY2020, with 7 loans or 5.4% of the total.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Plumbing, Heating, and Air-Conditioning Contractors | 7 | 5.4% | 1.9% |
| Fitness and Recreational Sports Centers | 5 | 3.9% | 2.1% |
Share is the percent of all Lenexa 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 Lenexa
The median Lenexa loan was $325,000 with a median term of 10 years.
The median variable-rate loan in Lenexa was priced at Prime plus 2.5 percentage points at approval. At today's Prime that spread works out to 9.50%. On $325,000 over 10 years, principal and interest would come to about $4,205 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $112,500 | $1,456 |
| Median loan | $325,000 | $4,205 |
| 75th percentile loan | $697,575 | $9,026 |
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 $325,000 is Prime plus 4.5 percentage points, or 11.50% today. The median variable-rate loan here was priced 2.0 points under that ceiling. Source: 13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Lenexa loans approved since FY2024 had a median starting rate of 10% 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 $350,000 loan and SBA Express payment calculator.
SBA 504 loans near Lenexa
Lenexa has 11 SBA 504 loans since FY2020, with $9.4 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.
Heartland Business Capital, Inc. is the one Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on five or more loans, 8 since FY2020.
| Certified Development Company | 504 loans |
|---|---|
| Heartland Business Capital, Inc. | 8 |
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 capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
Kansas cities near Lenexa
Lenexa made up 6.2% of Kansas's SBA loans since FY2024.
Lenexa is one of 5 Kansas cities with 100 or more SBA loans since FY2020. The Kansas page covers all 1,064 loans in Kansas. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Lenexa
Which lenders make the most SBA loans in Lenexa?
U.S. Bank leads with 5 loans in Lenexa since FY2024. Only lenders with five or more Lenexa loans are counted.
Which industries get SBA loans in Lenexa?
Plumbing, Heating, and Air-Conditioning Contractors leads with 7 loans in Lenexa since FY2020. Fitness and Recreational Sports Centers (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.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA Wichita District Office (serves central and western Kansas)
- SBA Kansas City District Office (serves eastern Kansas)
- Kansas Small Business Development Center (Fort Hays State University)
- SCORE, Kansas
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
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Cite this page: Small business loans in Lenexa, KS. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/kansas-small-business-loans/lenexa/
Ask lending partners about a loan in Lenexa
Tell us what you need and we refer your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.