Small Business Bank
Small Business Bank is an active SBA lender in Kansas, a bank offering SBA-guaranteed small-business loans. Currently rated 2.6 stars across 67 Google reviews.
$47M
in SBA approvals since 2010
209
SBA loans funded
Construction & Contractors · Medical Practices & Clinics · Restaurants & Food Service
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Small Business Bank
Small Business Bank offers comprehensive SBA lending services tailored to meet the needs of small businesses seeking financing options. Whether you're looking for working capital, equipment loans, or real estate financing, this bank provides personalized solutions to help your business grow. Their experienced team guides clients through the application process, ensuring clarity and support at every step. With a focus on small business success, they leverage SBA programs to offer competitive rates and flexible terms. The bank specializes in serving businesses across various industries, including hospitality, retail, and healthcare, providing funding options that align with industry-specific needs. They are committed to fostering local economic development and supporting entrepreneurs in the Lenexa area and beyond. The bank's services include SBA 7(a) loans, with a history of approving amounts up to $80,000 for qualifying businesses. Their team is dedicated to helping clients navigate the complexities of SBA lending, making it easier to access the capital needed to expand or stabilize operations. Whether you're a startup or an established business, Small Business Bank is ready to assist with your financing needs, offering expert advice and flexible lending options to ensure your success.
Serves SBA borrowers in 7 states
Small Business Bank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Small Business Bank finances
Business types Small Business Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Small Business Bank
What is this place and what can I find here?
This is a financial institution that offers SBA lending services, including loans for small businesses. You can find information about loan programs, application processes, and support for business growth.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may be available during business hours.
What are the hours of operation?
Small Business Bank's lobby and drive-through are open Monday to Friday, 9:00 AM to 4:30 PM Central Time, with phone and online support available until 5:00 PM. Please confirm current hours directly with the bank.
Is there a fee to use this?
There are no fees to visit or consult; however, loan application fees and closing costs may apply depending on the financing arrangement.
Who is this open to — anyone, or only residents/members?
The bank primarily serves small business owners and entrepreneurs in the region, but eligibility depends on meeting specific loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is generally recommended, though higher scores improve approval chances.
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 loan and completeness of documentation.
Is this open on weekends?
Small Business Bank does not operate on weekends; business hours are Monday through Friday only. Please contact the bank during weekday business hours.
How do I get there and where do I park?
Small Business 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.
Who owns or operates this listing?
This page is an independent directory listing for Small Business Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Small Business Bank itself, which runs its own lending under its own ownership. If you work at Small Business Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Small Business 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 Small Business Bank before applying. If you represent Small Business Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Small Business Bank by phone at (855) 635-9696 or online at smallbusinessbank.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 Small Business Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Small Business Bank most often finances businesses in restaurants & food service, transportation & trucking, medical practices & clinics, construction & contractors, dental practices, and general retail. This reflects Small Business 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 Small Business Bank 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 Small Business Bank participates in SBA Express depends on its specific SBA lending authority. Contact Small Business Bank 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. Small Business Bank 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. Small Business Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Small Business Bank 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 Small Business Bank 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 Small Business Bank 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 Small Business Bank 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. Small Business Bank weighs this case by case under its own policy, so be upfront about your history and ask Small Business Bank how it evaluates prior bankruptcies.
