Kaw Valley State Bank and Trust Company

This is a local community bank that offers SBA loan programs and small business financing solutions to help entrepreneurs grow and succeed.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

The bank operates Monday through Friday from 8:30 AM to 5:00 PM, with extended hours by appointment.

There are no fees for inquiries; however, standard loan application and processing fees may apply depending on the loan type.

This bank primarily serves local small businesses in the Wamego area, but they welcome inquiries from qualified applicants nationwide for SBA loans.

Typically, a minimum personal credit score of 640 is preferred, though higher scores improve approval chances.

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

Most banks keep weekday business hours and are closed on weekends, and Kaw Valley State Bank and Trust Company 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 Kaw Valley State Bank and Trust Company to confirm current weekend availability before you go.

Kaw Valley State Bank and Trust Company operates three locations in Kansas: Wamego (1015 Kaw Valley Park Circle), St. Marys (414 W Bertrand Ave), and Clifton (103 E Parallel St.). Parking information is not specified on their website; confirm directly with the bank.

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

The core details for Kaw Valley State Bank and Trust Company — 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 Kaw Valley State Bank and Trust Company before applying. If you represent Kaw Valley State Bank and Trust Company, claim this listing to keep its information up to date.

You can reach Kaw Valley State Bank and Trust Company by phone at (785) 456-2021 or submit feedback online at kvsb.com/contact-us/feedback-form. For SBA lending, confirm your branch contact directly with the bank.

Like most SBA lenders, Kaw Valley State Bank and Trust Company can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Kaw Valley State Bank and Trust Company directly which industries 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 Kaw Valley State Bank and Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact Kaw Valley State Bank and Trust Company 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. Kaw Valley State Bank and Trust Company 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. Kaw Valley State Bank and Trust Company's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Kaw Valley State Bank and Trust Company 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 Kaw Valley State Bank and Trust Company 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 Kaw Valley State Bank and Trust Company 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 Kaw Valley State Bank and Trust Company 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. Kaw Valley State Bank and Trust Company weighs this case by case under its own policy, so be upfront about your history and ask Kaw Valley State Bank and Trust Company how it evaluates prior bankruptcies.