KCB Bank
KCB Bank is an active SBA lender in Kansas, a bank offering SBA-guaranteed small-business loans. Currently rated 5.0 stars across 1 Google reviews.
About KCB Bank
KCB Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on the local community in Lakin, KS, this bank provides a variety of loan options, including SBA 7(a) loans, to help entrepreneurs access capital efficiently. Their experienced team guides clients through the application process, ensuring clarity and support at every step. The bank's commitment to personalized service makes it a reliable partner for business owners looking to leverage SBA programs for their success. Whether you're starting a new venture or expanding an existing business, KCB Bank is equipped to assist with funding solutions that meet your unique needs. They also offer advice on credit requirements, repayment terms, and eligibility criteria to help you prepare your application effectively.
Industries KCB Bank finances
Business types KCB Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about KCB Bank
What is this place and what can I find here?
This is a local bank offering SBA loan programs and financial services to support small business growth in the community.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment, but walk-ins are also welcome during business hours.
What are the hours of operation?
KCB Bank's Garden City branch is open Monday–Friday 8:30am–5:00pm (lobby) and 8:00am–5:30pm (drive-thru). The Lakin branch is open Monday–Friday 9:00am–4:00pm (lobby) and 8:00am–5:30pm (drive-thru). Please confirm with KCB Bank directly for any changes.
Is there a fee to use this?
There are no fees for visiting the branch; however, loan application and processing fees may apply depending on the service.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and business owners in the Lakin area, but some services may be available to non-residents.
What minimum personal credit score does this bank look for in a guarantor?
A minimum credit score of around 650 is generally preferred, but other factors are also considered during approval.
How long does the traditional underwriting process take from start to close?
The process typically takes between 30 to 60 days, depending on the completeness of your application and documentation.
Is this open on weekends?
KCB Bank's lobbies are closed on weekends; however, both the Garden City and Lakin branches offer limited Saturday drive-thru service from 9:00am–12:00pm. Confirm hours with the branch directly.
How do I get there and where do I park?
KCB Bank is located in Kansas — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for KCB Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by KCB Bank itself, which runs its own lending under its own ownership. If you work at KCB Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for KCB Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with KCB Bank before applying. If you represent KCB Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach KCB Bank by phone at (620) 355-6222 (Lakin) or (620) 271-9700 (Garden City), or submit an inquiry online at kcbbank.formstack.com/forms/bank_inquiry. Please confirm current contact details with KCB Bank.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, KCB Bank most often finances businesses in transportation & trucking, manufacturing, wholesale & distribution, and construction & contractors. This reflects KCB Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with KCB Bank which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether KCB Bank participates in SBA Express depends on its specific SBA lending authority. Contact KCB Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. KCB Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. KCB Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask KCB Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask KCB Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask KCB Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with KCB Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. KCB Bank weighs this case by case under its own policy, so be upfront about your history and ask KCB Bank how it evaluates prior bankruptcies.
