# Small business loans in Overland Park, KS

**Short answer:** The most active SBA lenders in Overland Park, KS since FY2024 are OakStar Bank (21 loans) and U.S. Bank (11). The median loan was $306,000, and half fell between $120,825 and $723,250. 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/overland-park/
Data as of: 2026-06-30

## Lenders making SBA loans in Overland Park

No lender made more than 14% of the loans in Overland Park, and OakStar Bank made the most. The five largest lenders together made 38%.

**Lenders with five or more SBA loans in Overland Park, KS, FY2024 to June 2026**

| Lender | Loans | Share |
| --- | --- | --- |
| [OakStar Bank](https://www.sbaexpress.loans/sba-express-lenders/oakstar-bank/kansas/) | 21 | 14.2% |
| [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/) | 11 | 7.4% |
| [CommunityAmerica](https://www.sbaexpress.loans/sba-express-lenders/communityamerica/): Credit union | 9 | 6.1% |
| [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/kansas/) | 8 | 5.4% |
| [Live Oak Banking Company](https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/) | 7 | 4.7% |

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

## Local help near Overland Park

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

41% of Overland Park 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](https://www.sba.gov/district/wichita)
- [SBA Kansas City District Office (serves eastern Kansas): SBA district office](https://www.sba.gov/district/kansas-city)
- [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 Overland Park

Overland Park ranks 2nd by loans since FY2024 among the 5 Kansas cities with 100 or more SBA loans since FY2020. Nationally it is the 120th busiest of the 580 cities that reach 100 loans.

The 148 loans, 13.9% of the 1,064 in Kansas, were approved for $105.5 million in all. The median loan was $306,000, 2.0 times the national median of $150,300. Half of the loans fell between $120,825 and $723,250. The Overland Park median is 25% above the Kansas median of $244,350.

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

| Measure | Overland Park | Kansas | U.S. |
| --- | --- | --- | --- |
| Loans | 148 | 1,064 | 162,355 |
| Median loan | $306,000 | $244,350 | $150,300 |
| 25th percentile | $120,825 | $97,900 | $50,000 |
| 75th percentile | $723,250 | $533,625 | $500,000 |
| Via SBA Express | 23.0% | 27.3% | 35.8% |
| Lines of credit | 18.9% | 20.0% | 28.1% |
| Startups | 29.1% | 22.2% | 16.1% |
| Ownership changes | 16.2% | 14.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.5 | 2.25 | 2.75 |
| Charged off | Fewer than 5 | 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.

68% of the loans were $500,000 or less, the size SBA Express covers. 23.0% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 18.9% of loans, below the national 28.1%.

SBA loans in Overland Park, KS by size, FY2024 to June 2026

- $50,000 or less (16%): 24
- $50,001 to $150,000 (20%): 30
- $150,001 to $350,000 (18%): 27
- $350,001 to $500,000 (13%): 19
- $500,001 to $1,000,000 (15%): 22
- $1,000,001 to $2,000,000 (7%): 11
- Over $2,000,000 (10%): 15

Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.

By business age, 41.9% of loans went to businesses more than two years old and 11.5% to businesses two years old or younger. Startups received 29.1% and changes of ownership 16.2%. The national startup share is 16.1%.

SBA loans in Overland Park, KS by fiscal year

- FY2020: 57
- FY2021: 46
- FY2022: 57
- FY2023: 67
- FY2024: 53
- FY2025: 62
- FY2026 (through June 30): 33

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

Volume rose 17% from FY2024 (53 loans) to FY2025 (62), the two latest full years. The busiest full year in the file was FY2023, with 67 loans. FY2026 already shows 33 loans through June 30.

Of the 160 loans Overland Park borrowers received in FY2020 to FY2022, fewer than 5 were charged off by June 30, 2026, against 3.6% nationally. Lenders reported 1,491 jobs supported across the 148 loans since FY2024, about 10.1 per loan. SBA does not audit these estimates.

## What businesses in Overland Park borrow for

Limited-Service Restaurants was the largest borrower group in Overland Park, with 7 loans or 4.7% of the total.

The five largest industries made up 20% of all Overland Park loans.

**Industries with the most SBA loans in Overland Park, KS, FY2024 to June 2026**

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [Limited-Service Restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/) | 7 | 4.7% | 3.3% |
| [Offices of Certified Public Accountants](https://www.sbaexpress.loans/industries/offices-of-certified-public-accountants/) | 6 | 4.1% | 0.6% |
| [Offices of Chiropractors](https://www.sbaexpress.loans/industries/offices-of-chiropractors/) | 6 | 4.1% | 0.8% |
| [Other Personal Care Services](https://www.sbaexpress.loans/industries/other-personal-care-services/) | 6 | 4.1% | 1.2% |
| [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/kansas/) | 5 | 3.4% | 4.6% |

Share is the percent of all Overland Park 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 Overland Park

The median Overland Park loan was $306,000 with a median term of 10 years.

The median variable-rate loan in Overland Park was priced at Prime plus 2.5 percentage points at approval. At today's Prime that spread works out to 9.50%. On $306,000 over 10 years, principal and interest would come to about $3,960 a month. That is arithmetic on past loans, not a rate a lender is offering.

**Payment at today's rate on three Overland Park loan sizes over 10 years**

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $120,825 | $1,563 |
| Median loan | $306,000 | $3,960 |
| 75th percentile loan | $723,250 | $9,359 |

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 $306,000 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).

Overland Park 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 $300,000 loan](https://www.sbaexpress.loans/loan-amounts/300000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Overland Park

Overland Park has 6 SBA 504 loans since FY2024, with $8.4 million in SBA and CDC dollars.

The median 504 loan in Overland Park was $863,500 in SBA and CDC dollars, 17% of the $5,000,000 program maximum. 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 Company (CDC) named on five or more loans, 11 since FY2020.

**CDCs named on five or more 504 loans in Overland Park, FY2020 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| Heartland Business Capital, Inc. | 11 |

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 Overland Park

Overland Park made up 13.9% of Kansas's SBA loans since FY2024.

Overland Park 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.

- [Lenexa: 66 loans, median $325,000](https://www.sbaexpress.loans/kansas-small-business-loans/lenexa/)
- [Olathe: 65 loans, median $293,000](https://www.sbaexpress.loans/kansas-small-business-loans/olathe/)
- [Kansas City: 41 loans, median $485,800](https://www.sbaexpress.loans/kansas-small-business-loans/kansas-city/)
- [Wichita: 165 loans, median $255,800](https://www.sbaexpress.loans/kansas-small-business-loans/wichita/)

## Common questions about SBA loans in Overland Park

### Which lenders make the most SBA loans in Overland Park?

OakStar Bank leads with 21 loans in Overland Park since FY2024. U.S. Bank (11) and CommunityAmerica (9) follow. Only lenders with five or more Overland Park loans are counted.

### Which industries get SBA loans in Overland Park?

Limited-Service Restaurants leads with 7 loans in Overland Park since FY2024. Offices of Certified Public Accountants (6) and Offices of Chiropractors (6) follow.

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)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)](https://www.ecfr.gov/current/title-13/section-120.214)