Small Business Loans

Grow your business into a stronger, more profitable, company with a Small Business Administration (SBA) loan from Capitol Federal®. Whether you need initial startup funding or to buy additional equipment, we have an SBA loan for you.
SBA 7(a) Loan Application SBA 504 Loan Application

Fuel the Growth of Your Business

Take your small business to the next level with our tailored Small Business Loans. Whether you need to expand, invest in new equipment, or improve cash flow, our loan options are built to support your growth. With competitive rates, flexible terms, and personalized service, we work with you to find the right solution for your business’s unique needs.

As an experienced SBA Lender, we have the knowledge to secure the financing you need more quickly. And as an SBA Express Lender, our process offers faster loan underwriting and approval. We understand small business and will work with you to understand your unique needs.

All loans are subject to SBA approval, including collateral, underwriting and credit approval. Only for-profit businesses qualify.

We are dedicated to knowing your business.

We are ready to assist you with your loan and Treasury Management needs. Contact one of our commercial banking professionals today.

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SBA 7(a) Loan

Looking to expand your small business? SBA 7(a) loans offer flexible, government-backed financing to help you grow, whether you’re purchasing equipment, expanding operations, or improving cash flow.

  • Use as initial funding for a startup or to expand an existing business
  • Only small for-profit businesses qualify 
  • Loans up to $5 million 
  • Terms up to 5 to 7 years for working capital; up to 10 years for equipment; and up to 25 years on fixed assets, including real estate 
  • Approved for commercial real estate, construction or renovation, purchase of machinery or equipment, purchase of furniture or fixtures, working capital, inventory, line of credit, refinancing existing debt, and purchasing eligible businesses 

SBA loans can offer certain benefits not available with other types of loans. Check out the  SBA website for additional information on the loan programs offered.

Download SBA 7(A) Loan Application

SBA 504 Loan

SBA 504 Loans provide small businesses with long-term, fixed-rate financing to invest in major assets like real estate or equipment. These loans are ideal for business owners looking to expand, modernize, or improve their operations,

  • Loans up to $5 million
  • Low down payment
  • Option of a 10, 20, or 25 year fully amortizing term with a fixed interest rate on SBA portion
  • Must be used for fixed asset projects such as purchasing land and improvements, including existing buildings, grading, street improvements, utilities, parking lots and landscaping; construction of new facilities 
  • May be used for modernizing, renovating or converting existing facilities; purchasing long-term machinery and equipment, in addition to eligible debt refinancing  
  • Cannot be used for working capital or inventory, consolidating or repaying debt 

SBA loans can offer certain benefits not available with other types of loans. Check out the SBA website for additional information on the loan programs offered.

Download SBA 504 Application