Capitol Federal Savings Bank

This is a commercial bank that provides SBA loan programs and banking services tailored to small businesses, helping entrepreneurs secure funding for growth and expansion.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability.

The branch operates from 9:00 AM to 5:00 PM, Monday through Friday, with special arrangements available by appointment outside regular hours.

There are no fees for basic banking services; however, specific loan application or processing fees may apply depending on the service used.

This bank primarily serves residents and small business owners within the regional area, but eligibility for loans depends on meeting specific financial criteria.

A minimum personal credit score of 640 is generally required, though approval depends on overall financial health and collateral availability.

The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and supporting documentation.

Most banks keep weekday business hours and are closed on weekends, and Capitol Federal Savings Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Capitol Federal Savings Bank to confirm current weekend availability before you go.

Capitol Federal Savings 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.

This page is an independent directory listing for Capitol Federal Savings Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Capitol Federal Savings Bank itself, which runs its own lending under its own ownership. If you work at Capitol Federal Savings Bank, you can claim this listing from this page to manage it.

The core details for Capitol Federal Savings 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 Capitol Federal Savings Bank before applying. If you represent Capitol Federal Savings Bank, claim this listing to keep its information up to date.

You can reach Capitol Federal Savings Bank by phone at (785) 231-6213 or online at capfed.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Capitol Federal Savings Bank before relying on them.

Based on its approved SBA loans, Capitol Federal Savings Bank most often finances businesses in general retail, restaurants & food service, automotive repair & services, construction & contractors, manufacturing, and medical practices & clinics. This reflects Capitol Federal Savings 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 Capitol Federal Savings Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Capitol Federal Savings Bank participates in SBA Express depends on its specific SBA lending authority. Contact Capitol Federal Savings Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

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. Capitol Federal Savings Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

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. Capitol Federal Savings Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Capitol Federal Savings Bank directly whether it considers start-up loans.

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 Capitol Federal Savings Bank what down payment it expects for your specific commercial real estate purchase.

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 Capitol Federal Savings Bank to spell out any prepayment penalties before you sign.

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 Capitol Federal Savings Bank to confirm it qualifies and how to document it.

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. Capitol Federal Savings Bank weighs this case by case under its own policy, so be upfront about your history and ask Capitol Federal Savings Bank how it evaluates prior bankruptcies.