Outdoor Bank

This is a bank that specializes in SBA loans, offering financing solutions for small and medium-sized businesses to support growth, expansion, and operational needs. You can find expert guidance, personalized service, and a variety of loan programs tailored to your business goals.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may be available during business hours depending on availability.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It is advisable to call ahead to confirm hours or to schedule an appointment.

There are no fees to inquire about SBA loan options, but specific loan applications may involve closing costs, guarantee fees, and other charges disclosed during the application process.

This bank primarily serves small business owners within the region, but eligibility is based on business criteria rather than residency alone. Non-residents with qualifying businesses may also apply.

A minimum personal credit score of around 640 is generally preferred, but approval depends on overall financial health and business performance.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of submitted documentation.

Most banks keep weekday business hours and are closed on weekends, and Outdoor 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 Outdoor Bank to confirm current weekend availability before you go.

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

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

You can reach Outdoor Bank by phone at (785) 537-4448 or online at outdoorbank.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 Outdoor Bank before relying on them.

Based on its approved SBA loans, Outdoor Bank most often finances businesses in general retail, fitness & recreation, construction & contractors, wholesale & distribution, and medical practices & clinics. This reflects Outdoor 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 Outdoor 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 Outdoor Bank participates in SBA Express depends on its specific SBA lending authority. Contact Outdoor 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. Outdoor 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. Outdoor Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Outdoor 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 Outdoor 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 Outdoor 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 Outdoor 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. Outdoor Bank weighs this case by case under its own policy, so be upfront about your history and ask Outdoor Bank how it evaluates prior bankruptcies.