KS · State guide

Business loans in Kansas

Kansas businesses can reach three separate pools of money: lenders that publish availability here, the state's own financing programs, and federal SBA lending through local participants. We have 5 state programs on file with published terms.

6 cities covered Checked 14 Sep 2026
Get funding in Kansas See the shortlist

Where to start in Kansas

No lender here publishes a state-by-state availability list naming KS, so this is the directory ranked by how much each one puts on the record. Absence from a list nobody publishes means nothing.

  1. 100%

    Forward Financing

    $5K – $500K Same day Credit from 500
    9/9 on the record
  2. 100%

    ROK Financial

    $10K – $5M 1-3 days Credit from 500
    9/9 on the record
  3. 100%

    South End Capital

    $1K – $5M Same-day funding available Credit from 650
    9/9 on the record
  4. 89%

    Bizcap US

    Up to $2M Same day Credit from 550
    8/9 on the record
  5. 89%

    ByzFunder

    Up to $500K Same day Credit from 525
    8/9 on the record
  6. 89%

    Fora Financial

    $5K – $1.5M As little as 24 hours Credit from 570
    8/9 on the record
  7. 89%

    Fox Business Funding

    Up to $1M As little as 2 business days Credit from 550
    8/9 on the record
  8. 89%

    National Funding

    $6K – $500K As fast as 24 hours Credit from 600
    8/9 on the record
  9. 89%

    Straight Line Source

    Partner
    $5K – $10M Same day Credit from 500
    8/9 on the record
  10. 78%

    Biz2Credit

    $25K – $2M Decision as fast as 24 hours Credit from 650
    7/9 on the record
  11. 78%

    CAN Capital

    $2K – $400K As fast as the next business day Credit from 600
    7/9 on the record
  12. 78%

    Credibly

    $5K – $10M As fast as 4 hours after approval Credit from 550
    7/9 on the record
published not published Ordered by disclosure, not by what anyone pays us. The score is a count of what a lender publishes, not a rating of the lender.

What Kansas itself funds

GrowKS Loan Fund (SSBCI)Administered by Kansas Department of Commerce and NetWork Kansas. Matching loan capital alongside a bank loan. Eligible uses include start-up costs, working capital, franchise fees, equipment acquisition, inventory, production/delivery services, and "purchase, construction, renovation, or tenant improvements" of a business location (passive real estate investment excluded). Published amounts: "$42M GrowKS Loan Fund"; individual match amounts "of up to $100,000+"; "4% interest rate for one (1) year to five (5) year loans"; "6% interest rate for six (6) year to ten (10) year loans". Eligibility as published: "for-profit and non-profit new or existing Kansas small businesses (less than 500 employees)" with "bank funding as part of the project"; "any private funds we match must include funding from a financial institution"; personal guarantees required from owners with 20%+ stake; collateral not required but considered. Applicants must first connect with a NetWork Kansas-approved resource partner. Targets "underserved geographies (rural/urban-distressed/statewide)" and "populations (minority/women/economically disadvantaged)".
GrowKS Equity Fund / Angel Capital Support Program (SSBCI)Administered by NetWork Kansas in partnership with the Kansas Department of Commerce. Equity co-investment capital for Kansas companies raising a venture round, invested pari passu with private co-investors. Published amounts: "$27M GROWKS Equity Fund"; initial investment "$50,000-$250,000 (typical)"; follow-on investment "$50,000-$150,000 (typical)"; review period "30- to 45-day". Eligibility as published: For-profit Kansas-based companies raising rounds under $20M; organized/incorporated in Kansas and registered with the Kansas Secretary of State; primary business location in Kansas; co-investors must participate pari passu. Ineligible: companies engaged in "speculative activities or earn more than half of their revenue from lending activities, pyramid sales, gaming/gambling activities, or any activity prohibited by federal law".
GrowKS Multi-Fund (SSBCI)Administered by NetWork Kansas with the Kansas Department of Commerce; deal flow handled by the eGrowth Ventures team. Fund-of-funds investment into "multiple Kansas-based seed/early-stage venture funds". Published amounts: "a total program allocation of $6M dollars"; commitment capped at "a maximum of 10% of total fund size, up to $2M"; "Maximum 1.71% Services to Portfolio Companies paid over the life of the fund"; "No Services to Portfolio Companies paid after 10 years". Eligibility as published: Fund headquarters in Kansas, raising $50M or less; general partners must include new/emerging or minority/female fund managers; must demonstrate Kansas ecosystem building and active Kansas deal sourcing; cannot participate in funding rounds of $20M or more.
Industrial Revenue Bonds (IRB)Administered by Kansas Department of Commerce (issued by cities and counties). Described by Commerce as "among the most popular and cost-effective methods of financing up to 100 percent of a new or growing business' land, buildings and equipment". Published amounts: "financing up to 100 percent of a new or growing business' land, buildings and equipment"; no dollar caps or rates published on the index page. Eligibility as published: Not published on the incentives index page reviewed.
Community Development Block Grant (CDBG) — economic development financingAdministered by Kansas Department of Commerce. "financing for companies that are expanding an existing facility or starting a new operation in a non-metropolitan area". Eligibility as published: Companies expanding or starting operations in a non-metropolitan area of Kansas; awards are made through units of local government. Detailed criteria not published on the index page reviewed.

Federal money behind these programs

Kansas was allocated up to $69,596,847 under the federal State Small Business Credit Initiative, which is what funds most of the credit enhancements above. SSBCI money reaches businesses through participating lenders rather than from the state directly, so the application still goes through a bank or a CDFI.

What we could not confirm

Kansas SSBCI is branded GrowKS and is run jointly by the Kansas Department of Commerce and NetWork Kansas, a non-profit; most program detail lives on networkkansas.com rather than a .gov domain. Treasury's May 19, 2022 press release gives the exact allocation as "up to $69,596,847"; NetWork Kansas rounds this to "$69M+". The three GrowKS sub-fund sizes published by NetWork Kansas ($42M loan + $27M equity + $6M multi-fund = $75M) exceed the $69.6M Treasury allocation; this discrepancy is recorded but not resolved. Cities: threshold is 2020 census population >= 10,000, giving 35 cities (ranks 1-35 on the Wikipedia ranked table). Three further cities cross 10,000 only on the 2024 estimate and are excluded because their 2020 census counts are below the threshold: Spring Hill (7,952 in 2020 / 10,070 in 2024), Bel Aire (8,262 / 10,066) and Mission (9,954 / 10,013). The Wikipedia table lists a primary county plus secondary counties; where a secondary county exists it is recorded in county_note. Kansas Angel Investor Tax Credit and other Commerce tax-credit programs were seen but not verified in detail and are omitted.

Cities in Kansas

Kansas CityLawrenceOlatheOverland ParkTopekaWichita

More for Kansas

Question and answerDo I get a disclosure sheet before I sign business financing? In eleven states, yes, though what is on it and when it arrives varies a great deal. Everywhere else you get whatever you insist on. Question and answerDoes my business funding broker need to be registered or licensed? In five states, yes, and you can check. In several others they cannot charge you a fee before anything funds. Question and answerIs a merchant cash advance legal in my state? No state has banned the product. What differs between states is how much a funder has to tell you first and whether anyone has to be registered. GuideIs your funding broker registered anywhere? A state-by-state answer Five states put commercial financing brokers on a register or licence. Several more restrict what a broker can charge you before anything funds. GuideSmall business funding in Kansas: a disclosure law with no registration behind it Kansas makes funders disclose the cost of commercial financing under $500,000, but does not make them register with anyone. GuideThe Kansas Commercial Financing Disclosure Act, in the order it will matter to you Approved in April 2024. Six figures before or at closing, a $500,000 ceiling, broker conduct rules, and enforcement vested exclusively in the Attorney General.

Business funding in Kansas — common questions

Can I get business funding in Kansas?

Yes. 12 funders in this directory serve businesses in Kansas, and 0 of them name Kansas explicitly in their published availability rather than being included by default.

Does Kansas require lenders to disclose the cost of business financing?

Kansas's position is set out on this page. As of 2026 only a small number of states require a commercial financing disclosure, and in the rest you will not receive one — which means you have to ask for the total dollar cost, the term and every fee in writing yourself.

Are there state programmes for small business capital in Kansas?

3 state-level programmes are recorded here with a link to the administering agency. Programmes open and close, so confirm the current position on the agency's own site before relying on one.

Is a merchant cash advance legal in Kansas?

Commercial financing generally sits outside the consumer credit rules most people have heard of, and most state usury caps do not reach business-purpose transactions. What varies is disclosure, broker registration and lender licensing. This is general information, not legal advice for your situation.

How do I check for liens filed against my business in Kansas?

Through Kansas's UCC filing office, which is named on this page. Search your exact registered entity name — a filing under a slightly different name will not come back, and neither will a stale one nobody terminated.

Which lenders will not fund in Kansas?

Where a funder publishes an excluded-states list, this page shows it. Many publish nothing, which is not the same as being available — it means you have to ask.

Does being based in Kansas change what I pay?

Not directly in most cases. What changes is what you are told before you sign, and what recourse you have afterwards, both of which depend on your state's rules and on the jurisdiction clause in the contract.

What should I have ready before applying?

Three months of business bank statements, your time in business from a verifiable date, average monthly deposits, your entity's good standing, and a clear figure for what you need and what for.

How current is this page?

Every figure carries the date it was checked. Where a check has passed its review date the page says so rather than presenting as current.