Turn Challenges Into Opportunities
Starting or growing a small business takes more than hard work – it takes the right funding. When traditional lenders say no, work with SCKEDD to discover new possibilities.
Secure crucial capital through small business loans for Kansas entrepreneurs like you. Secure crucial capital through SCKEDD’s small business loans for Kansas entrepreneurs like you, who are not able to obtain traditional loans. You can apply whether you’re starting a new business or expanding your current one.
Find the best Kansas small business loan options with federally backed funding through the Small Business Administration (SBA), Economic Development Administration (EDA), and U.S. Department of Agriculture (USDA). Flexible financing gives you the power to take the next step with confidence.
Choose from these funding options:
Loan Options
Need a loan from $500 to $350,000? We have options!
If you need more than $350,000, check out the SBA 504 Loan Program, designed to help businesses finance commercial real estate, equipment, and larger projects.
Loan Amount
$500 - $50,000
Interest Rate & Terms
- Fixed-rate up to 10%
- Up to 7-year term
Fee
2-3% closing fees
Equity Requirement
- 10% for existing businesses (2+ years)
- 15% for startup businesses (<2 years)
Geographic Availability
State of Kansas
Eligible Uses
- Working Capital
- Furniture & Fixtures
- Inventory
- Machinery & Equipment
- Leasehold Improvements
Loan Amount
$5,000 - $350,000
Interest Rate & Terms
- Fixed and variable, 6-10%
- Up to 25-year term
Fee
3-5% of the loan
Equity Requirement
- 10% for existing businesses (2+ years)
- 15% for startup businesses (<2 years)
Geographic Availability
State of Kansas
Eligible Uses
- Working Capital
- Furniture & Fixtures
- Inventory
- Machinery & Equipment
- Business Acquisition
- Commercial Real Estate
Loan Amount
$5,000 - $300,000
Interest Rate & Terms
- Fixed, 6-10%
- Up to 25-year term
Fee
2% of the loan, plus closing costs
Equity Requirement
- 10% for existing businesses (2+ years)
- 15% for startup businesses (<2 years)
Special Requirements
Can fund up to 1/3 of the total project
Geographic Availability
14-county region: Butler, Chautauqua, Cowley, Elk, Greenwood, Harper, Harvey, Kingman, Marion, McPherson, Reno, Rice, Sedgwick, Sumner
Eligible Uses
- Working Capital
- Inventory
- Business Acquisition
- Business Expansion
- Machinery & Equipment
- Start-Up Costs
Feel empowered as a Kansas entrepreneur when you choose our small business loan programs.
required documents
If there are multiple business owners, these items are needed for each individual owner.
Bank Referral or Decline Letter
Business Plan or Executive Summary
Identification
Personal Tax Returns
Business Tax Returns
Organizational Documents
Financial Projections (if applicable)
Personal Financial Statements
Business Financial Statements
Quotes for Planned Purchases
Business Debt Schedule
You don’t need to have every document in hand before reaching out. Our Business Training Specialists are here to help you understand what’s needed, answer your questions, and guide you through the process.
SBA 504 Loans
Looking to Expand or Upgrade Your Business Space?
Take your business to the next level with affordable financing tailored to your needs. The Small Business Administration (SBA) 504 loans provide low, fixed interest rates and flexible terms to help you purchase property, upgrade facilities, or invest in equipment. With only 10% down in most cases, you can preserve cash while focusing on long-term growth.
Need a bit more clarity?
Ready to Turn Uncertainty into Hope and Opportunity?
Get access to funding, energy savings, or community grants today with personalized guidance.