Construction Workers

Depending on your business need, our loan team will recommend which mid-size loan program is the best fit for you.


The SBA and EDA loan programs provide funding options ranging from $50k-$300k.

The US Department of Commerce is investing in the EDA program to provide more funding to small businesses across the state of Kansas.


  • Business must be located in one of the following fourteen (14) south central Kansas counties: Butler, Chautauqua, Cowley, Elk, Greenwood, Harper, Harvey, Kingman, McPherson, Marion, Reno, Rice, Sedgwick, or Sumner.

  • Funding to foster job creation or retention

  • For-profit business

  • Individuals that own 20% of more of the business must be willing to act as personal guarantors

Rates and Fees

  • Interest rates vary and will be estimated at the time of application

  • Closing fee 2%

  • Any direct or third-party closing costs associated with the loan


  • Up to 15 years based on the use of funds

  • No prepayment penalty

SBA Community Advantage

The SBA provides a mid-size loan option for small businesses seeking funds for startup costs and long-term working capital.


  • For-profit business in Kansas

  • The business is valued at less than $15 million and has an after-tax profit of less than $5 million a year, the average of two years

  •  Business owner will occupy 51% or more of the commercial real estate being renovated or purchased

Community Advantage Loans Help Disadvantaged Business Owners

  • Business located in low to moderate income census tracts, empowerment zones, enterprise communities, or HUBZones.

  • Businesses where more than 50% of the full-time workforce is low income or resides in low to moderate income census tracts

  • Startups and business less than two years old

  • Businesses that are more than 50% owned by veterans, minorities, or women.

  • Rural business owners

Rates and Fees

Interest Rates

Our Community Advantage loan program has a variable rate of the Wall Street Journal (WSJ) Prime Rate + 2.75%, adjusted quarterly per changes in the WSJ Prime Rate.


  • Packaging fee of 2% of the gross loan amount or $2,500, whichever is less

  • Guarantee fee of 2% of the guaranteed loan portion for loans less than $150,000

  • Guarantee fee of 3% of the guaranteed loan portion for loans $150,001 - $250,000 

  • Any direct or third-party closing costs associated with the loan

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Hutchinson office

530 E. 30th Ave

Hutchinson, KS 67502

Phone: 620-259-6544
Fax: 620-508-2042

Wichita office

9730 E. 50th Street N

Bel Aire, KS 67226

Phone: 316-262-7035
Fax: 316-262-7062

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This institution is an equal opportunity provider and employer. If you wish to file a Civil Rights program complaint of discrimination, complete the USDA Program Discrimination Complaint Form, found online at, or at any USDA office, or call (866) 632-9992 to request the form. You may also write a letter containing all of the information requested in the form. Send your completed complaint form or letter to us by mail at U.S. Department of Agriculture, Director, Office of Adjudication, 1400 Independence Avenue, S.W., Washington, D.C. 20250-9410, by fax (202) 690-7442 or email at

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