Best SBA lenders
Best SBA lenders in Kansas
The most active SBA lenders in Kansas, ranked from every 7(a) and 504 loan in the SBA's public record, FY2010-2026. U.S. Bank, National Association leads with 425 loans funded.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026, as of 2026-03-31
Top SBA lenders in Kansas
The full Kansas ranking, by SBA loans funded since FY2010. Every figure is in-state: each lender's loans, dollars, average loan size, and 7(a) charge-off rate cover its Kansas lending only, not its national book. A charge-off rate appears only when a lender has at least 20 funded 7(a) loans in Kansas; below that line, and on 504-only lending, it reads “not reported,” never 0%.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 425 | $102.3M | $241K | 3.53% |
| 2 | INTRUST Bank National Association | 417 | $92.8M | $223K | 2.88% |
| 3 | UMB Bank, National Association | 330 | $95.7M | $290K | 2.42% |
| 4 | Emprise Bank | 243 | $84.5M | $348K | 2.06% |
| 5 | Bank of Hays | 222 | $59.9M | $270K | 2.25% |
| 6 | Rural Missouri, Inc. | 208 | $155.1M | $746K | not reported |
| 7 | Commerce Bank | 204 | $37.4M | $183K | 2.94% |
| 8 | Equity Bank | 197 | $116.6M | $592K | 1.02% |
| 9 | Frontier Financial Partners, Inc. | 188 | $165.0M | $878K | not reported |
| 10 | First Business Bank | 183 | $117.4M | $641K | 5.46% |
| 11 | First National Bank of Omaha | 174 | $67.9M | $390K | 4.02% |
| 12 | Wells Fargo Bank National Association | 169 | $95.6M | $566K | 8.28% |
| 13 | Heartland Business Capital, Inc. | 148 | $108.1M | $730K | not reported |
| 14 | Wakarusa Valley Development, Inc. | 147 | $85.0M | $578K | not reported |
| 15 | The Central Trust Bank | 138 | $35.1M | $254K | 4.35% |
| 16 | Live Oak Banking Company | 126 | $152.6M | $1.2M | 0.00% |
| 17 | Community First National Bank | 122 | $13.8M | $113K | 3.28% |
| 18 | Busey Bank | 114 | $82.7M | $725K | 6.14% |
| 19 | Small Business Bank | 106 | $20.4M | $192K | 0.00% |
| 20 | Capitol Federal Savings Bank | 105 | $23.9M | $228K | 1.90% |
| 21 | Community National Bank & Trust | 103 | $29.2M | $283K | 1.94% |
| 22 | OakStar Bank | 100 | $83.4M | $834K | 1.00% |
| 23 | Landmark National Bank | 100 | $61.1M | $611K | 0.00% |
| 24 | Central National Bank | 99 | $19.6M | $198K | 3.03% |
| 25 | Dream First Bank National Association | 98 | $49.0M | $500K | 0.00% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
7(a) banks vs 504 lenders (CDCs) in Kansas
The two SBA programs have different lenders. A 7(a) loan comes from one bank or credit union; a 504 project pairs a bank with a Certified Development Company (CDC), the nonprofit that funds the SBA-backed portion. The leaders in Kansas by each program's loans funded since FY2010:
- 1. U.S. Bank, National Association 425 loans
- 2. INTRUST Bank National Association 417 loans
- 3. UMB Bank, National Association 330 loans
- 4. Emprise Bank 243 loans
- 5. Bank of Hays 222 loans
- 1. Rural Missouri, Inc. 208 loans
- 2. Frontier Financial Partners, Inc. 188 loans
- 3. Heartland Business Capital, Inc. 148 loans
- 4. Wakarusa Valley Development, Inc. 147 loans
- 5. SBA CLSC Servicing 42 loans
Counts are each program's funded loans in Kansas. How the two programs differ: 504 vs 7(a), by the data.
Where SBA lending concentrates in Kansas
The 3 industries with the most SBA loans in Kansas since FY2010, and the most active lender in each. A lender that leads your industry locally can matter more than the overall #1.
| Industry | Loans | Total funded | Most active lender |
|---|---|---|---|
| Retail Trade | 1,051 | $429.3M | U.S. Bank, National Association (56 loans) |
| Accommodation and Food Services | 1,024 | $623.9M | Frontier Financial Partners, Inc. (69 loans) |
| Health Care and Social Assistance | 855 | $413.8M | UMB Bank, National Association (66 loans) |
Full industry, city, and yearly breakdowns: SBA lending in Kansas.
How this ranking works
- “Most active” means loans funded. The ranking counts every SBA 7(a) and 504 loan funded to Kansas businesses in the SBA's public FOIA record, FY2010–2026, as of 2026-03-31. No lender pays to appear or to rank, and activity is not a fit score: the right lender for you depends on your industry, loan size, and timeline.
- The 10-loan line. A lender enters the Kansas table only with at least 10 loans funded in-state, so one-off activity never reads as a track record. Industry cells above are held to at least 30 loans.
- Charge-off is 7(a)-only and needs 20+ loans. The SBA reports charge-offs on 7(a) loans, never on 504 loans. We show an in-state rate only when a lender has at least 20 funded 7(a) loans in Kansas; anything thinner reads “not reported,” never 0%. It is a charge-off share of funded loans to date, not a lifetime default rate.
- Name collisions are excluded, and counted. The SBA does not normalize lender names across mergers and rebrands, so one name can blend several unrelated institutions. Flagged names are never ranked on this page; each exclusion is disclosed under the table.
The exact calculations and limits: methodology.
Best SBA lenders in Kansas: frequently asked questions
Who is the most active SBA lender in Kansas?
U.S. Bank, National Association is the most active SBA lender in Kansas in the public record, with 425 7(a) and 504 loans funded since FY2010 ($102.3M in Kansas). The ranking counts loans funded, never who pays us.
Do these lenders only serve Kansas?
No. The ranking measures activity in Kansas: loans funded to Kansas businesses in the SBA's record. Many of these lenders are national or multi-state institutions; the loans, dollars, and charge-off figures shown are their Kansas lending only.
What's the difference between a 7(a) lender and a CDC?
A 7(a) lender is a bank or credit union that funds an SBA-guaranteed loan directly. A Certified Development Company (CDC) is a nonprofit that funds the SBA-backed portion of a 504 project alongside a bank. Charge-off is reported only on 7(a) loans, so a 504-only CDC shows "not reported," never 0%.
How many SBA lenders are active in Kansas?
108 lenders have funded at least 10 SBA loans in Kansas since FY2010 in the public record (as of 2026-03-31). The table above names the 25 most active of them; names that blend several same-named institutions are excluded from rankings.
Mario Bailey. (2026). Best SBA lenders in Kansas. SBA Loan Index. https://sbaloanindex.com/best-sba-lenders/in/ks/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
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