SBA lending by metro area
SBA lenders in Hays, KS
Which lenders fund Hays-area businesses, how much, and how the market compares with Kansas: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Hays area
Ranked by SBA volume funded to businesses located in the Hays micropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Bank of Hays | 143 | $34.2M | $239K | 0.00% |
| 2 | Frontier Financial Partners, Inc. | 11 | $6.1M | $552K | not reported |
| 3 | Equity Bank | 13 | $4.1M | $319K | not reported |
| 4 | Emprise Bank | 6 | $3.0M | $498K | not reported |
| 5 | Commerce Bank | 22 | $2.6M | $118K | 4.55% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Hays compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Hays area | $112K ▼ 43.6% | 8.0% ▼ 2.0 pts |
| Kansas | $198K | 10.0% |
| United States | $179K | 11.2% |
What gets funded in Hays
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 32 | $20.0M |
| Mining and Extraction | 31 | $12.8M |
| Construction | 47 | $7.9M |
| Retail Trade | 31 | $7.0M |
| Transportation and Warehousing | 10 | $5.5M |
| Other Services | 27 | $4.0M |
| Health Care and Social Assistance | 12 | $2.2M |
| Administrative and Support | 10 | $962K |
SBA lending in Hays by year
Geography, precisely
"Hays area" here means the Hays, KS micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Ellis County, KS. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.