Security Bank of Kansas City
Security Bank of Kansas City is an active SBA lender in Kansas, a bank offering SBA-guaranteed small-business loans. Currently rated 4.8 stars across 185 Google reviews.
$21M
in SBA approvals since 2010
51
SBA loans funded
General Retail · Auto Dealers & Sales · Restaurants & Food Service
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Security Bank of Kansas City
Security Bank of Kansas City 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 SBA programs, they provide flexible loan options that can help entrepreneurs access capital with favorable terms. Their team is dedicated to guiding clients through the application process, ensuring clarity and support at every step. Located at 701 Minnesota Ave, One Securit, the bank specializes in SBA 7(a) loans, which are ideal for a variety of business purposes including working capital, equipment purchase, and real estate acquisition. They have a history of approving loans up to $200,000, demonstrating their commitment to supporting local businesses. Whether you're starting a new venture or expanding an existing one, Security Bank of Kansas City is equipped to assist with your financing needs, leveraging their expertise in SBA lending to help you succeed.
Serves SBA borrowers in 2 states
Security Bank of Kansas City has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Security Bank of Kansas City finances
Business types Security Bank of Kansas City actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Security Bank of Kansas City
What is this place and what can I find here?
This is a financial institution offering SBA loan programs designed to help small and medium-sized businesses access capital for growth, expansion, or operational needs. You can find information about loan options, application processes, and personalized support for your business financing goals.
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-ins may be accommodated depending on availability. Contact the bank in advance to confirm the best way to meet your needs.
What are the hours of operation?
The bank operates during standard business hours, typically from 9:00 AM to 5:00 PM, Monday through Friday. It is advisable to call ahead to confirm specific hours or to schedule an appointment.
Is there a fee to use this?
There are no fees for simply inquiring or visiting the bank; however, loan applications and processing may involve fees such as guarantee fees, closing costs, and service charges depending on the loan terms.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local small business owners and residents of the Kansas City area, but they may consider applications from qualified businesses outside the immediate region based on the loan program.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is generally preferred, though stronger credit profiles can improve approval chances. The bank evaluates overall creditworthiness and business viability as well.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of submitted documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Security Bank of Kansas City 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 Security Bank of Kansas City to confirm current weekend availability before you go.
How do I get there and where do I park?
Security Bank of Kansas City 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 Security Bank of Kansas City, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Security Bank of Kansas City itself, which runs its own lending under its own ownership. If you work at Security Bank of Kansas City, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Security Bank of Kansas City — 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 Security Bank of Kansas City before applying. If you represent Security Bank of Kansas City, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Security Bank of Kansas City by phone at (913) 281-3165 or submit an inquiry via their contact form at securitybankkc.com/support/contact-us; confirm SBA lending availability when you contact them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Security Bank of Kansas City most often finances businesses in general retail, restaurants & food service, and construction & contractors. This reflects Security Bank of Kansas City'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 Security Bank of Kansas City 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 Security Bank of Kansas City participates in SBA Express depends on its specific SBA lending authority. Contact Security Bank of Kansas City 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. Security Bank of Kansas City 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. Security Bank of Kansas City's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Security Bank of Kansas City 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 Security Bank of Kansas City 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 Security Bank of Kansas City 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 Security Bank of Kansas City 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. Security Bank of Kansas City weighs this case by case under its own policy, so be upfront about your history and ask Security Bank of Kansas City how it evaluates prior bankruptcies.
