Top SBA 7(a) Lenders in Kansas for 2025
Kansas small businesses secured 418 SBA 7(a) loan approvals totaling $187,049,800. The average loan size stood at $447,488, indicating an active lending environment with a combination of mid-size working capital loans and multi-million-dollar project financing.
The state’s SBA loan market featured a mix of national SBA lenders, Missouri-based banks serving the region, and Kansas-headquartered financial institutions. While most lenders issued fewer than 20 loans, average loan amounts frequently exceeded $1 million, highlighting the capital needs of Kansas borrowers investing in acquisitions, equipment, and commercial real estate.
Leading Lenders by Approval Volume
- Live Oak Banking Company (North Carolina) led the state in total SBA loan volume with $16,751,500 across 13 approvals. With an average loan size of $1.29 million, the bank maintained its national reputation for focusing on high-ticket SBA transactions, particularly in franchise development and business acquisition financing.
- Equity Bank (Kansas) followed with $8,311,000 from just eight loans, averaging over $1 million per transaction. Fidelity Bank, another Kansas-based institution, issued $8,007,600 across 10 loans, underscoring its consistent role in regional SBA lending.
- OakStar Bank (Missouri) placed fourth with $7,310,000 in total approvals, followed by Newtek Bank (Florida) with $7,132,000 from 19 loans, averaging $375,368. These lenders reflect the growing national and cross-state presence of SBA-focused institutions serving the Kansas market.
- Rounding out the top 10 were CommunityAmerica Credit Union (MO), Truliant FCU (NC), Enterprise Bank & Trust (MO), UMB Bank (MO), and Emprise Bank (KS), each providing $5.7 million to $6.4 million in total funding.
Top SBA 7(a) Lenders in Kansas – 2025 YTD
(U.S. Small Business Administration, data as of July 22, 2025)
| Rank | Lender Name & Location | Approval Count | Approval Amount | Avg. Loan Size |
| 1 | Live Oak Banking Co. (NC) | 13 | $16,751,500 | $1,288,577 |
| 2 | Equity Bank (KS) | 8 | $8,311,000 | $1,038,875 |
| 3 | Fidelity Bank, N.A. (KS) | 10 | $8,007,600 | $800,760 |
| 4 | OakStar Bank (MO) | 14 | $7,310,000 | $522,157 |
| 5 | Newtek Bank, N.A. (FL) | 19 | $7,132,000 | $375,368 |
| 6 | CommunityAmerica CU (MO) | 9 | $6,397,700 | $710,856 |
| 7 | Truliant FCU (NC) | 2 | $6,186,400 | $3,093,200 |
| 8 | Enterprise Bank & Trust (MO) | 3 | $5,848,600 | $1,949,533 |
| 9 | UMB Bank, N.A. (MO) | 10 | $5,799,300 | $579,930 |
| 10 | Emprise Bank (KS) | 24 | $5,771,400 | $240,475 |
Source: U.S. Small Business Administration, 2025 data
Lending Patterns and Observations
Of the top 10 SBA lenders in Kansas by dollar volume, three were Kansas-based institutions—Equity Bank, Fidelity Bank, and Emprise Bank—highlighting the continued relevance of local lenders. However, the majority of total loan dollars came from out-of-state players, including large national SBA originators and Missouri-based regional banks with cross-border reach.
Lenders like Truliant FCU and Enterprise Bank & Trust posted the highest average loan sizes, exceeding $1.9 million, pointing to limited but highly strategic loan deployment. Meanwhile, Newtek Bank and UMB Bank demonstrated a more volume-driven approach, issuing a greater number of loans in the $300,000 to $600,000 range.
Northeast Bank and The Huntington National Bank also participated in Kansas SBA lending with lower average loan sizes, offering more accessible capital for operating expenses and early-stage borrowers.
Economic Insight for Kansas Small Businesses
Kansas businesses are continuing to access federally backed capital in 2025 for growth, modernization, and transition planning. With $187 million in SBA 7(a) loan volume approved through midyear, the state’s business environment remains active and credit-positive.
The variety of lender types—ranging from fintech-driven banks to community-based credit unions—ensures that capital remains available across business sizes, industries, and geographic areas. From manufacturing in Wichita to services in Kansas City, SBA-backed loans remain a key lever in supporting long-term small business health and economic diversification across the state.
