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
100
2010–2025
Total Volume
$23M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
100 total segments
KCB Bank has a strong focus on existing businesses, with 61% of their deals supporting acquisitions. This makes them a good fit for buyers looking to expand.
With an average 7(a) spread of P+1.87%, KCB Bank offers competitive pricing compared to the national median of P+2.75%. This can save borrowers money on interest.
KCB Bank's deal volume has declined by 18% year-over-year, indicating a potential tightening in lending. Borrowers should be prepared for a more selective approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 1 504 loans, which use fixed SBA debenture rates.
States where KCB Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Transportation & Warehousing
Transportation & Warehousing
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Agriculture & Forestry
Agriculture & Forestry
Specialty Trade Contractors
Construction
Auto Repair & Maintenance
Other Services
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for KCB Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Kansas · Transportation & Warehousing · Under $150K | 7(a) | 40 | P+3.48% | $44K | Q1 2025 |
| Kansas · Wholesale Trade · Under $150K | 7(a) | 8 | P+3.50% | $55K | Q2 2022 |
| Kansas · Manufacturing · Under $150K | 7(a) | 6 | P+3.00% | $94K | Q4 2018 |
| Kansas · Agriculture & Forestry · $150K – $350K | 7(a) | 3 | P+2.25% | $243K | Q3 2016 |
| Kansas · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+1.45% | $65K | Q4 2022 |
| Kansas · Laundry & Dry Cleaning · $150K – $350K | 7(a) | 2 | P+1.00% | $298K | Q4 2020 |
| Kansas · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.50% | $198K | Q4 2010 |
| Kansas · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+1.68% | $89K | Q2 2025 |
| Kansas · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+2.75% | $82K | Q1 2020 |
| Kansas · Heavy & Civil Engineering · Under $150K | 7(a) | 2 | P+2.48% | $125K | Q1 2016 |
| Kansas · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.63% | $349K | Q1 2017 |
| Kansas · Restaurants & Food Service · Under $150K | 7(a) | 1 | P+4.00% | $25K | Q4 2020 |
| Kansas · Restaurants & Food Service · $350K – $500K | 7(a) | 1 | P+2.75% | $376K | Q1 2011 |
| Kansas · Auto Repair & Maintenance · $150K – $350K | 7(a) | 1 | P+1.60% | $200K | Q4 2022 |
| Kansas · Laundry & Dry Cleaning · Under $150K | 7(a) | 1 | P+2.30% | $122K | Q4 2021 |
| Kansas · Other Repair & Services · Under $150K | 7(a) | 1 | P+4.00% | $25K | Q4 2021 |
| Kansas · Other Repair & Services · $150K – $350K | 7(a) | 1 | P+1.35% | $160K | Q4 2020 |
| Kansas · Agriculture & Forestry · $500K – $1M | 7(a) | 1 | P+2.75% | $645K | Q4 2020 |
| Kansas · Manufacturing · $2M – $5M | 7(a) | 1 | P+1.25% | $3.0M | Q3 2018 |
| Kansas · Manufacturing · $350K – $500K | 7(a) | 1 | P+3.70% | $459K | Q2 2020 |
| Kansas · Manufacturing · $500K – $1M | 7(a) | 1 | P+1.50% | $1.0M | Q1 2017 |
| Kansas · Wholesale Trade · $2M – $5M | 7(a) | 1 | P+1.25% | $2.2M | Q3 2021 |
| Kansas · Wholesale Trade · $500K – $1M | 7(a) | 1 | P+-0.01% | $1.0M | Q2 2022 |
| Kansas · Transportation & Warehousing · $150K – $350K | 7(a) | 1 | P+1.50% | $180K | Q3 2022 |
| Kansas · Finance & Insurance · Under $150K | 7(a) | 1 | P+2.20% | $12K | Q1 2017 |
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Real experiences from borrowers who closed SBA loans with KCB Bank.
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