STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
257
2010–2026
Total Volume
$81M
Gross loan amounts
States Active
11
With recorded loans
Programs
7(a) & 504
257 total segments
Bank of Hays has a strong focus on existing businesses, with 61% of their deals supporting established companies. This could be beneficial if you're looking to buy or expand an existing business.
With an average 7(a) spread of P+1.66%, Bank of Hays offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Bank of Hays has seen a significant decline in their lending activity, with a 35% decrease in deals year-over-year. This trend may indicate a tighter lending environment, making it potentially harder to secure a loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 13 504 loans, which use fixed SBA debenture rates.
States where Bank of Hays has recorded SBA lending activity.
+ 6 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Mining & Oil/Gas
Mining & Oil/Gas
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Administrative & Waste Services
Administrative & Waste Services
Auto Repair & Maintenance
Other Services
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for Bank of Hays, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Kansas · Specialty Trade Contractors · Under $150K | 7(a) | 26 | P+2.00% | $57K | Q2 2025 |
| Kansas · Mining & Oil/Gas · Under $150K | 7(a) | 21 | P+1.75% | $79K | Q2 2024 |
| Kansas · Transportation & Warehousing · Under $150K | 7(a) | 14 | P+0.50% | $74K | Q4 2025 |
| Kansas · Administrative & Waste Services · Under $150K | 7(a) | 10 | P+1.63% | $67K | Q1 2024 |
| Kansas · Mining & Oil/Gas · $150K – $350K | 7(a) | 8 | P+2.25% | $227K | Q3 2021 |
| Kansas · Mining & Oil/Gas · $500K – $1M | 7(a) | 6 | P+2.00% | $657K | Q3 2021 |
| Kansas · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+1.25% | $44K | Q2 2024 |
| Kansas · Manufacturing · Under $150K | 7(a) | 6 | P+2.25% | $84K | Q4 2021 |
| Kansas · Specialty Trade Contractors · $500K – $1M | 7(a) | 6 | P+2.38% | $912K | Q4 2024 |
| Kansas · Other Repair & Services · Under $150K | 7(a) | 5 | P+1.25% | $28K | Q2 2023 |
| Kansas · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+2.25% | $55K | Q4 2021 |
| Kansas · Engineering & Architecture · Under $150K | 7(a) | 5 | P+1.00% | $36K | Q2 2023 |
| Kansas · Retail Trade · Under $150K | 7(a) | 5 | P+2.25% | $80K | Q3 2024 |
| Kansas · Food & Beverage Stores · Under $150K | 7(a) | 4 | P+2.38% | $56K | Q3 2019 |
| Kansas · Building Construction · Under $150K | 7(a) | 4 | P+1.35% | $43K | Q1 2025 |
| Kansas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+1.88% | $23K | Q3 2022 |
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.75% | $26K | Q3 2011 |
| Kansas · Sporting Goods & Hobby · Under $150K | 7(a) | 3 | P+2.25% | $25K | Q4 2020 |
| Kansas · Mining & Oil/Gas · $1M – $2M | 7(a) | 3 | P+0.50% | $1.6M | Q2 2023 |
| Kansas · General Merchandise · Under $150K | 7(a) | 3 | P+2.00% | $70K | Q2 2021 |
| Kansas · Miscellaneous Retail · $150K – $350K | 7(a) | 3 | P+1.75% | $237K | Q4 2023 |
| Kansas · Manufacturing · $150K – $350K | 7(a) | 3 | P+2.25% | $301K | Q4 2021 |
| Kansas · Restaurants & Food Service · $500K – $1M | 504 | 3 | — | $686K | Q4 2020 |
| Kansas · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.34% | $767K | Q3 2020 |
| Kansas · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.00% | $305K | Q1 2024 |
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