Small Business Loans in Kansas
Ready to find success and secure a small business loan? You're in the right place! Our in-house research team of finance experts has compiled this most comprehensive list of business loans for you to find the best option for you. Bad credit and startups acceptable when meeting specific qualifications.
10 Small Business Loans in Kansas
Our compilation is a distinct exploration of small business financiers across Kansas, anchored in concrete evidence. We've organized them by the volume of small business financing they've provided over the current year.
Essentially, this lineup highlights the financial institutions and lenders that are actively extending the greatest number of loans to small businesses within the state.
(This stands in contrast to numerous other online sources, which often focus on non-profit organizations that infrequently offer loans or government initiatives that only a limited number of companies can actually access!)
Takeaway: In Kansas, both large, national banks and small, local banks share the small business lending market.
Methodology: Our analysis draws from SBA 7a loan records, indicating that each lender mentioned provides SBA loans. Additionally, we've cataloged any other types of small business financing options they advertise on their online platforms.
Given that conventional banks often necessitate robust credit ratings and a minimum of two years' operational history, we've initiated our list with a couple of funding alternatives tailored for small business proprietors grappling with less-than-ideal credit and a shorter duration of business activity.
1. Credit Suite
Credit Suite stands out as a firm specializing in business credit consulting and software solutions, while also providing a pair of unconventional financing options.
Cash Flow Financing emerges as an excellent choice for entrepreneurs who've been in operation for several years and face minimal credit score prerequisites. This approach allows you to capitalize on your enterprise's cash flow to secure adaptable funding options. Instead of fixed monthly repayments, you reimburse this loan through a portion of your continuous cash flow.
The Credit Line Hybrid provides capital solely based on the strength of personal credit, eliminating the need for financial statements, bank records, or detailed business proposals. Tailored for startups and established businesses alike, it offers financing ranging from $5,000 to $150,000.
Ideal for fledgling enterprises not yet two years old, this option supports the early stages of business growth.
Business financing options offered:
- Credit Suite Cash Flow Financing
- Credit Suite Credit Line Hybrid
2. Bank of Hays
Bank of Hays is a small community bank that does big business. It issues more SBA loans than any other bank in Kansas!
It also offers a decent variety of small business loans. Unfortunately, its website has very little information about each offering or qualification rules.
Business financing options offered:
Land Acquisition/Development Loans
SBA 7a Loans
Commercial Construction Loans
Term Loans
Construction of Residential Real Estate
Agricultural Loans
Revolving Lines of Credit
Letters of Credit
1 business credit card
3. U.S. Bank
US Bank stands out as a major, nationwide bank offering a diverse array of business lending options. With numerous brick-and-mortar locations, you've likely spotted them in your local area. They're recognized for issuing more SBA loans than any other lender in Kansas besides Bank of Hays.
Business financing options offered:
US Bank Quick Loan
Business Term Loan
Commercial Real Estate Loan
Equipment Financing
SBA Loans
Dental, Medical, and Vet Practice Loans
Business Line of Credit
Manage Cash Flow
Business Equity Line of Credit
Business Reserve Line
4 Business Credit Cards
4. Emprise Bank
Emprise is a Kansas-based, community bank. It has a number of loans in each of the three categories below, but don't give much detail on them.
Business financing options offered:
Business Loans
SBA Loans
Real Estate Loans
5. Small Business Bank
Small Business Bank is a small business bank (get it?!) in Kansas. They're on this list for being a top 10 SBA 7a loan lender in Kansas, so we know that's one offering they have. Unfortunately, their website doesn’t have much information about their business loan offerings.
Their homepage says that they cater to micro and small businesses throughout the nation. Despite their small website, they do lots of phone-based and internet-based business.
Business financing options offered:
SBA 7a Loans
No information about their business loans on their website
6. Equity Bank
Some consider Wichita Kansas the Air Capital of the World, and Equity Bank has options to facilitate that, in addition to a normal array of small business loans.
Business financing options offered:
Commercial Real Estate Loans
Term Business Loans
Business Lines of Credit
SBA Loans
Aviation Loans
Medical Practice Solutions
4 business credit cards
7. Commerce Bank
Commerce Bank is a regional bank based in Missouri, with a large presence in Kansas City. It has a normal lineup of small business loans.
Business financing options offered:
Small Business Administration (SBA) Loans - 7a, 504, Express, Export Working Capital Program
Acquisition Financing
Equipment Financing
Small Business Real Estate Loans
Small Business Lines of Credit
Small Business Term Loans
8. The Huntington National Bank
Huntington National Bank isn't only a leading small business financier in Kansas but also the top issuer of SBA 7a loans nationwide.
This places them among the top 10 lenders in nearly every other state, underscoring their enthusiasm for partnering with small businesses.
Beyond SBA loans, they provide an extensive range of financing solutions for small businesses, such as equipment leasing, agricultural financing, and various real estate lending options.
Business financing options offered:
SBA 7a Loans
Equipment Leasing
Church Lending
Greek House Financing
Agricultural Loans
Warehouse Lending
Real Estate Loans, Term Loans, and Lines of Credit
9. BayFirst National Bank
BayFirst National specializes in SBA loans, boasting on their site with claims of "Lightning Fast Business Loans!" and highlighting their "In-house team, quick funding". Their direct underwriting team means faster processing and knowledgeable support.
Given that SBA loans often require a lengthy processing time, this capability gives them a significant edge.
Business financing options offered:
SBA Loans
Commercial Real Estate Loans
Commercial Term Loans
Commercial Lines of Credit
Construction Loans
Heavy Equipment Financing
10. Live Oak Banking Company
Live Oak Bank is widely recognized for its active participation in SBA lending across the United States. While their website might not offer extensive details on the variety of loans they provide, they stand out for their commitment to comprehensively understand the sectors their clients operate in.
Impressively, they highlight their tailored financial solutions for 48 distinct industries, indicating a specialized approach for each on their platform.
Business financing options offered:
SBA Loans
USDA Loans
Industry Vertical Loans
How to apply for a small business loan in Kansas
Getting your small business funded doesn't have to be overwhelming, regardless of how many steps may be involved. Let the leading business guides at Credit Suite help you along the way!
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