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

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 

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