KS StateBank
KS StateBank is an active SBA lender in Kansas, a bank offering SBA-guaranteed small-business loans. Currently rated 3.4 stars across 36 Google reviews.
$53M
in SBA approvals since 2010
51
SBA loans funded
General Retail · Restaurants & Food Service · Automotive Repair & Services
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About KS StateBank
Offering comprehensive SBA financing options, this commercial bank specializes in supporting small businesses with tailored loan programs. Whether you're looking to expand your operations, purchase equipment, or manage cash flow, they provide flexible lending solutions designed to meet diverse business needs. Their experienced team guides clients through the application process, ensuring clarity and support at every step. With a focus on small business growth, they leverage SBA programs like 7(a) to facilitate accessible funding. The bank's commitment to local economic development is reflected in their personalized service and competitive terms. They serve a broad range of industries, with particular strength in professional services and manufacturing sectors. Clients can benefit from their streamlined application process and dedicated relationship managers who understand the nuances of SBA lending. This institution is well-equipped to handle loans up to $200,000, making it an ideal partner for small to medium-sized enterprises seeking reliable financing options.
Serves SBA borrowers in 2 states
KS StateBank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries KS StateBank finances
Business types KS StateBank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about KS StateBank
What is this place and what can I find here?
This is a commercial bank that offers SBA loan programs and small business financing options. You can find personalized support for your business funding needs, including SBA 7(a) loans, with experienced staff guiding you through the application process.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in visits are also accepted during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.
What are the hours of operation?
KS StateBank Client Care is open Monday through Friday from 8:00 AM to 6:00 PM CT, with Saturday hours from 9:00 AM to noon CT. Confirm these hours and any location-specific variations directly with the bank.
Is there a fee to use this?
There are no fees to access basic banking services, but loan applications and processing may involve standard SBA and bank fees. These are disclosed upfront during the loan consultation.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and entrepreneurs within its regional area, but they also support nationwide SBA loan applications for qualified borrowers.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is generally required, though higher scores may improve loan approval chances and favorable terms.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes 2 to 4 weeks, depending on the complexity of the loan and the completeness of the application package.
Is this open on weekends?
Yes, KS StateBank is open on Saturdays from 9:00 AM to noon CT for Client Care. Confirm hours and service availability with the bank.
How do I get there and where do I park?
KS StateBank 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 KS StateBank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by KS StateBank itself, which runs its own lending under its own ownership. If you work at KS StateBank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for KS StateBank — 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 KS StateBank before applying. If you represent KS StateBank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach KS StateBank by phone at (785) 587-4000, by email at clientcare@ksstate.bank, or through their online contact form at ksstate.bank/connect/contact-us. Confirm the best channel for SBA loan inquiries.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, KS StateBank most often finances businesses in automotive repair & services, restaurants & food service, and general retail. This reflects KS StateBank'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 KS StateBank 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 KS StateBank participates in SBA Express depends on its specific SBA lending authority. Contact KS StateBank 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. KS StateBank 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. KS StateBank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask KS StateBank 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 KS StateBank 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 KS StateBank 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 KS StateBank 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. KS StateBank weighs this case by case under its own policy, so be upfront about your history and ask KS StateBank how it evaluates prior bankruptcies.
