Small Business Loans in Kansas
272,438 small businesses. 621 SBA 7(a) loans approved in FY2024. Here's what the Kansas financing landscape looks like — and how to navigate it.
Small businesses
272,438
SBA Office of Advocacy, 2024 Profile
SBA 7(a) loans — FY2024
621
$254.8M total approved
Avg SBA loan size
$410K
FY2024 · SBA FOIA dataset
Population
2,940,865
U.S. Census Bureau, 2025 estimate
Kansas has 272,000 small businesses employing 570,000 workers — 45.5 percent of the state's private workforce. In FY2024, Kansas small businesses received 621 SBA 7(a) loans totaling $255 million, with an average loan size of approximately $410,000. Kansas's SMB economy is anchored by agriculture (wheat, sorghum, beef cattle, and one of the nation's largest food processing concentrations), aerospace manufacturing (Cessna, Beechcraft, Spirit AeroSystems in Wichita), and a growing professional services sector in Wichita and the Kansas City metro suburbs.
Wichita is the 'Air Capital of the World' — the world's largest concentration of general aviation manufacturers, with Cessna, Beechcraft, and Spirit AeroSystems headquartered there alongside hundreds of SMB aerospace suppliers, maintenance providers, and engineering firms. This aerospace concentration creates consistent demand for specialized equipment financing and SBA 7(a) among tier-2 and tier-3 suppliers.
Kansas enacted commercial financing disclosure requirements in 2024 under KSA Ch. 16 amendments. The disclosure obligation rests with the financing provider; ClearValue Lending's lender partners deliver Kansas-compliant disclosures directly to borrowers at offer stage. Data sourced from the SBA Office of Advocacy (advocacy.sba.gov), SBA FOIA loan dataset (data.sba.gov), U.S. Census Bureau (census.gov), and the Federal Reserve Small Business Credit Survey (fedsmallbusiness.org).
Top SMB industries in Kansas
#1
Aerospace Manufacturing & Services
Wichita's aerospace concentration — Cessna, Beechcraft, Spirit AeroSystems — creates a large supplier SMB ecosystem. Equipment financing for precision manufacturing equipment and SBA 7(a) for business expansion are the primary tools.
#2
Agriculture & Food Processing
Kansas is the nation's largest wheat producer and a major cattle and sorghum state. Agricultural SMBs access equipment financing for farm machinery, seasonal working capital, and SBA agricultural loans. Food processors access SBA 7(a) for facility expansion.
#3
Construction
Kansas's construction sector serves urban development in Wichita and the Kansas City suburbs and rural infrastructure replacement statewide. Equipment financing and SBA 7(a) are the standard tools.
#4
Transportation & Warehousing
Kansas's I-70 corridor is one of the primary east-west freight routes in the country. Small trucking companies and distribution operators access equipment financing and working capital.
#5
Health Care & Social Assistance
Kansas's healthcare SMB sector spans primary care, behavioral health, and home health across urban and rural markets. SBA 7(a) supports practice acquisitions; equipment financing covers diagnostic technology.
Kansas commercial financing disclosure
StatuteKansas KSA Ch. 16 amendments (Commercial Financing Disclosure)
Effective date2024-01-01
What this means for borrowersKansas enacted commercial financing disclosure requirements under KSA Ch. 16 amendments, effective 2024. Disclosure obligations rest with the financing provider (the lender), not with platforms like ClearValue Lending. Our lender partners deliver Kansas-compliant disclosures at offer stage.
CVL operating note: ClearValue Lending routes Kansas SMB applicants to lender partners that comply with Kansas's commercial financing disclosure requirements. Disclosures are delivered by the funding lender at offer stage.
SBA 7(a) lending in Kansas — FY2024
Computed from SBA FOIA loan-level dataset (data.sba.gov). Aggregate of all FY2024 approved 7(a) loans with project state = KS.
| Metric | Value |
|---|---|
| Total 7(a) loans approved — FY2024 | 621 |
| Total dollar volume — FY2024 | $254.8M |
| Average loan size — FY2024 | $410K |
Source: SBA FOIA 7(a) loan dataset — data.sba.gov, as of March 31, 2026. Reflects FY2024, the most recent full fiscal year aggregated here. SBA 7(a) is one program; lenders also deploy conventional, SBA 504, USDA B&I, and private-market products.
National SBA program context (FY2025)
Nationwide, the SBA guaranteed $44.8 billion across roughly 84,400 loans in FY2025 (Oct 2024–Sept 2025), one of the program's highest-volume years. Effective May 2026, the SBA also doubled the cumulative 7(a)/504 loan limit to $10 million per borrower — expanding access for established businesses seeking repeat or larger-scale financing.
Sources: SBA FY2025 press release · SBA May 2026 loan-limit rule.
Kansas small business financing — common questions
How many small businesses are in Kansas? +
Kansas has approximately 272,000 small businesses, representing 99.4 percent of all businesses in the state. They employ 570,000 workers — 45.5 percent of Kansas's private workforce. Source: SBA Office of Advocacy, 2024 Small Business Profile.
How active is SBA 7(a) lending in Kansas? +
Kansas received 621 SBA 7(a) loan approvals in FY2024, totaling $255 million. The average loan size was approximately $410,000. Source: SBA FOIA loan dataset, FY2024 aggregate.
Does Kansas have a commercial financing disclosure law? +
Yes. Kansas enacted commercial financing disclosure requirements under KSA Ch. 16 amendments, effective 2024. Disclosure obligations rest with the financing provider. ClearValue Lending's lender partners deliver Kansas-compliant disclosures at offer stage.
What financing products work best for Kansas small businesses? +
Aerospace suppliers use equipment financing and SBA 7(a). Agricultural businesses use equipment loans and seasonal working capital. Logistics businesses use equipment financing. The right product depends on your industry and revenue profile.
Is ClearValue Lending available in Kansas? +
Yes. ClearValue Lending routes Kansas SMB applicants to lender partners operating across Wichita, Overland Park, Kansas City area, Topeka, and statewide. We are a funding platform, not a lender or broker.
What are typical eligibility minimums for Kansas SMB financing? +
SBA 7(a) typically requires 2+ years in business, 650+ FICO, and $150,000+ annual revenue. Revenue-based financing may be available with 500+ FICO, 6+ months in business, and $10,000+ monthly revenue. All financing is subject to lender underwriting.
Sources & methodology
- SBA Office of Advocacy — 2024 Small Business Profile: Kansas — SMB count, top industries, employment data. Underlying: Census 2021 data.
- SBA FOIA 7(a) Loan Dataset — FY2024 Kansas Aggregate — FY2024 approval count and dollar volume, projectstate=KS, approvalfy=2024.
- Kansas KSA Ch. 16 — Commercial Financing Disclosure — Effective 2024.
- U.S. Census Bureau — State Population Estimates (2025) — Kansas population: 2,940,865 (July 1, 2025 estimate).
- Federal Reserve Small Business Credit Survey — 2026 Report on Employer Firms (2025 survey data) — Small business credit conditions, lender relationships, and financing outcomes. Federal Reserve System.
Editorial disclaimer: Data on this page reflects the sources cited above as of May 22, 2026. SBA 7(a) loan counts and dollar volumes are computed from the public SBA FOIA dataset. Small business counts use Census 2021 data as published by SBA Office of Advocacy in November 2024. Population figures are July 1, 2025 Census Bureau estimates. All financing is subject to lender partner approval. Not legal, tax, or financial advice.
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