KCB Bank
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by KCB Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 484110 | General Freight Trucking, Local | 48 | $1.3M | $27K | 17.6% |
| 812310 | Coin-Operated Laundries and Drycleaners | 24 | $5.7M | $239K | 8.8% |
| 484121 | General Freight Trucking, Long Distance, Truckload | 24 | $2.2M | $93K | 8.8% |
| 811111 | General Automotive Repair | 16 | $2.1M | $130K | 5.9% |
| 459310 | Other | 16 | $3.9M | $245K | 5.9% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 16 | $26.0M | $1.6M | 5.9% |
| 424910 | Farm Supplies Merchant Wholesalers | 16 | $8.8M | $550K | 5.9% |
| 423910 | Sporting and Recreational Goods and Supplies Merchant Wholesalers | 8 | $792K | $99K | 2.9% |
| 711310 | Promoters of Performing Arts, Sports, and Similar Events with Faciliti | 8 | $360K | $45K | 2.9% |
| 327320 | Ready-Mix Concrete Manufacturing | 8 | $3.7M | $459K | 2.9% |
Geographic Distribution
SBA lending activity for KCB Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kansas (KS) | 264 | $99.8M | 97.1% |
| Texas (TX) | 8 | $3.2M | 2.9% |
Why Choose KCB Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 272 SBA loans approved, totaling $103.1M in financing
- ✓Industry Expertise: Specialized focus on General Freight Trucking, Local, Coin-Operated Laundries and Drycleaners, General Freight Trucking, Long Distance, Truckload
- ✓Competitive Terms: Average interest rate of 6.35% with flexible term lengths averaging 121 months
- ✓Loan Range: Loan sizes from $13K to $2.5M, with an average of $379K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in KS, TX
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about KCB Bank SBA lending
What types of businesses does KCB Bank typically finance?
KCB Bank specializes in SBA 7(a) lending to specific industries including general freight trucking, local, coin-operated laundries and drycleaners, general freight trucking, long distance, truckload, general automotive repair. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are KCB Bank's typical SBA loan terms?
KCB Bank's SBA 7(a) loans typically feature an average interest rate of 6.35% and average term length of 121 months (approximately 10 years). Loan sizes range from $13K to $2.5M, with an average loan size of $379K.
Do I need a business valuation for a KCB Bank SBA loan?
Yes, KCB Bank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does KCB Bank compare to other SBA lenders?
KCB Bank has originated 272 SBA loans totaling $103.1M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does KCB Bank lend in?
KCB Bank provides SBA 7(a) financing with particularly strong presence in KS, TX. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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