SBA lending by metro area
SBA lenders in Kansas City, MO
Which lenders fund Kansas City-area businesses, how much, and how the market compares with Missouri: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Kansas City area
Ranked by SBA volume funded to businesses located in the Kansas City metropolitan 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 | Heartland Business Capital, Inc. | 291 | $180.5M | $620K | not reported |
| 2 | First Business Bank | 289 | $164.0M | $568K | 3.11% |
| 3 | U.S. Bank, National Association | 735 | $160.8M | $219K | 3.67% |
| 4 | Wells Fargo Bank National Association | 234 | $157.5M | $673K | 5.98% |
| 5 | UMB Bank, National Association | 521 | $156.4M | $300K | 1.92% |
| 6 | Rural Missouri, Inc. | 163 | $136.6M | $838K | not reported |
| 7 | Live Oak Banking Company | 103 | $131.0M | $1.3M | 0.00% |
| 8 | OakStar Bank | 138 | $127.6M | $925K | 4.35% |
| 9 | Busey Bank | 163 | $117.9M | $724K | 6.13% |
| 10 | First National Bank of Omaha | 280 | $113.9M | $407K | 4.29% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Kansas City compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Kansas City area | $230K ▲ 17.9% | 9.5% ▼ 1.4 pts |
| Missouri | $195K | 10.9% |
| United States | $179K | 11.2% |
What gets funded in Kansas City
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 785 | $484.9M |
| Health Care and Social Assistance | 787 | $409.7M |
| Retail Trade | 772 | $373.8M |
| Professional and Technical Services | 771 | $334.1M |
| Manufacturing | 476 | $299.4M |
| Other Services | 685 | $298.1M |
| Construction | 826 | $295.1M |
| Wholesale Trade | 313 | $204.9M |
SBA lending in Kansas City by year
Geography, precisely
"Kansas City area" here means the Kansas City, MO-KS metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Bates County, MO; Caldwell County, MO; Cass County, MO; Clay County, MO; Clinton County, MO; Jackson County, MO; Johnson County, KS; Lafayette County, MO; Leavenworth County, KS; Linn County, KS; Miami County, KS; Platte County, MO; Ray County, MO; Wyandotte 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.