Small Business Loans

Fuel Your Business Dreams

Apply now

Small Business Loans

Fuel Your Business Dreams

Apply now

proud small business owner

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.

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

Full copies of the last 2 personal tax returns for everyone owning 20% or more of any business involved with this loan application

Passport or driver’s license

Secretary of State certificate of good standing, articles of incorporation or organization, operating agreement, bylaws, partnership agreements, etc.

If applicable, full copies of the last 3 years of tax returns

A copy of a Profit & Loss and Balance Sheet statement dated within 90 days

Business plan for businesses two years or younger; History and description of business or executive summary for businesses over two years

Businesses two years or younger must provide 3-year monthly projections and assumptions to support them.

For anyone owning 20% or more of the business

For anyone owning 20% or more of the business, plus key employees

Bank decline letter, referral, or self-certification. Bank participation on a project is allowed if each lender is paying for different items.

Copies of quotes, estimates, and invoices for items to purchase.

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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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