# Small Business Loans in Kansas

> Kansas blends an aerospace manufacturing base centered on Wichita — the "Air Capital of the World" — with one of the country's most productive farm and cattle economies and a fast-growing logistics and corporate corridor in the Kansas City suburbs. Hoss Capital matches Kansas business owners with funding partners that actively lend statewide, from Wichita and Overland Park to Topeka, Manhattan, and rural communities across the High Plains.

## Key takeaways
- Kansas's Commercial Financing Disclosure Act (effective July 1, 2024) requires written cost and payment disclosures on commercial financing of $500,000 or less from providers doing more than five Kansas transactions a year, with no state registration requirement.
- The economy pairs Wichita's aerospace manufacturing with a leading wheat, cattle, and grain base and a Kansas City–area logistics corridor.
- Two SBA district offices serve the state — Wichita covers 77 central and western counties and Kansas City covers the easternmost 28.

## Funding the Kansas economy

Kansas runs on two engines that both demand steady capital. Wichita anchors a
deep aerospace manufacturing cluster — earning its nickname the "Air Capital of
the World" — surrounded by hundreds of precision suppliers that machine, finish,
and assemble aircraft parts. Across the rest of the state, wheat fields,
feedlots, and beef-processing plants make Kansas one of the nation's leading
agricultural producers, while the Kansas City suburbs around Overland Park have
grown into a corporate, telecom, and distribution hub. That mix creates
year-round demand for equipment loans, working capital, and seasonal financing.

### Industries we fund across Kansas

- **Aviation & aerospace** — equipment financing and working capital for the
  machine shops and suppliers feeding Wichita's airframe manufacturers.
- **Agriculture & beef processing** — seasonal working capital and equipment
  loans tied to planting, harvest, and cattle cycles across western Kansas.
- **Logistics & distribution** — invoice factoring and equipment financing for
  carriers and warehouses in the Kansas City metro and along I-70/I-35.
- **Advanced manufacturing** — growth capital for metal fabrication and
  industrial shops in Wichita, Topeka, and the KC corridor.
- **Animal health & biosciences** — financing for firms along the Kansas
  City–Manhattan animal-health corridor.

### What the Kansas Commercial Financing Disclosure Act means for you

If you're weighing a merchant cash advance, factoring deal, or other commercial
financing of $500,000 or less, Kansas law now requires the provider to hand you
clear written numbers up front — the total funds, the total of payments, the
full dollar cost, and how repayment works. There's no state registration
requirement for providers, so the disclosures are your main tool for comparing
offers apples-to-apples. Hoss Capital only works with partners who operate
transparently.

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Canonical: https://hoss-capital.pages.dev/locations/kansas/

Sources:
- https://ksrevisor.gov/statutes/chapters/ch75/075_007_0083.html
- https://ksrevisor.gov/statutes/chapters/ch75/075_007_0084.html
- https://www.sba.gov/district/wichita
- https://www.mayerbrown.com/en/insights/publications/2024/06/kansas-enacts-commercial-finance-disclosure-law
- https://www.gtlaw.com/en/insights/2024/9/new-commercial-financing-laws-take-effect-in-connecticut-kansas