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
Use these loans for business acquisitions, working capital, debt refinance, inventory, and to purchase equipment, furniture, fixtures, or vehicles.
Loan Amount
Up to $50,000
Interest Rate & Terms
- Fixed-rate up to 10%
- 1–7-year term
Fee
2-3% closing fees
Equity Requirement
- 10% for existing businesses
- 15% for startup businesses
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
- 15% for startup businesses
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
- 15% for startup businesses
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
Loan Amount
$5,000-$250,000
Interest Rate & Terms
- Fixed-rate up to 10%
Fee
2% of the loan, plus closing costs
Equity Requirement
25% in match or owner equity
Special Requirements
Can fund up to 75% of the total project
Geographic Availability
Rural areas with a population <25,000 in the 14-county region: Butler, Chautauqua, Cowley, Elk, Greenwood, Harper, Harvey, Kingman, Marion, McPherson, Reno, Rice, Sedgwick, Sumner
Eligible Uses
- Working Capital
- Furniture & Fixtures
- Inventory
- Machinery & Equipment
- Business Acquisition
- Commercial Real Estate
Feel empowered as a Kansas entrepreneur when you choose our small business loan programs.
Required Documents for Applicants
Personal Tax Returns
Full copies of the last 2 personal tax returns for everyone owning 20% or more of any business involved with this loan application
Identification for all Owners
Passport or driver’s license
Organizational Documents
Secretary of State certificate of good standing, articles of incorporation or organization, operating agreement, bylaws, partnership agreements, etc.
Business Tax Returns
If applicable, full copies of the last 3 years of tax returns
Business Interim Financial Statement
A copy of a Profit & Loss and Balance Sheet statement dated within 90 days
Business Plan or Executive Summary
Business plan for businesses two years or younger; History and description of business or executive summary for businesses over two years
Financial Projections (if applicable)
Businesses two years or younger must provide 3-year monthly projections and assumptions to support them.
Personal Financial Statements
For anyone owning 20% or more of the business
Resumes
For anyone owning 20% or more of the business, plus key employees
Bank Referral or Decline Letter
Bank decline letter, referral, or self-certification. Bank participation on a project is allowed if each lender is paying for different items.
Cost Documents
Copies of quotes, estimates, and invoices for items to purchase.
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.
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