Branded, mid-sized and light for the metro

Kansas City's hotel record is dominated by brands. Franchised properties account for 85.5% of the loans, so an agreement with a flag nearly always accompanies a financing request. SBA approved 55 loans for $134.4 million between FY2017 and FY2026. Kansas City is 30 of 807 areas for lodging loans, hotels sit 10 of 39 among its classes, and a quotient of 0.72x shows the class is lighter here than nationally.

Loan size at parity

A midpoint of $2.3 million is 1.04x the national figure, so Kansas City tickets match what hotels typically borrow elsewhere. The typical range begins at $1.2 million and ends at $3.4 million. By program, 7(a) took 46 loans and 504 took 9, a mix that favors working capital and acquisitions over ground-up construction. The code merges hotels and motels and does not separate limited service from full service.

Two states, five counties

Jackson County, Missouri, has 21 loans, Platte County 9, Johnson County in Kansas 8, and Wyandotte County in Kansas and Clay County in Missouri 5 each. Alliant Bank is listed on 5 loans worth $9.2 million, the only holder with five or more. The entry follows whoever SBA now lists as holder.

The printed years

FY2017: 6 loans, $14.8 million. FY2018: 7 and $18.9 million. FY2019: 6 and $14.5 million. FY2021: 9 and $18.0 million. FY2023: 5 and $14.8 million. FY2025: 5 and $12.9 million. FY2026: 7 and $21.8 million. Others are withheld for small counts. Neither cancellation after approval nor charge-off is printed for the cell, and the lack of either is not evidence of a clean record.

Studying a Kansas City hotel

A feasibility study has to show which segment the property serves, whether convention, corporate, sports, airport or highway travel, and who else serves it. It should test the franchise's improvement and fee terms against cash flow, construction or conversion cost against a loan near $2.3 million, and the ramp to stabilized occupancy. Because 7(a) dominates the record, expect acquisitions and renovations to be common, and test the purchase price against what the property earns. An appraiser has to value the building apart from the operating hotel.

SBA hotel and motel loans in the Kansas City, MO-KS Metro Area

Loans approved, FY2017 to FY2026	55
Gross dollars approved	$134.4 million
Median loan	$2.3 million
Middle half of loans, from	$1.2 million
Middle half of loans, to	$3.4 million
SBA 7(a) loans	46
SBA 504 loans	9
Franchise share of loans	85.5%
Rank among metro and micro areas for hotel and motel loans	30 of 807
Rank of hotel and motel among the classes in this area	10 of 39
Location quotient (share of loans against the national share)	0.72x
Median loan against the national median for the class	1.04x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA hotel and motel loans approved in the Kansas City, MO-KS Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	6	$14.8 million
FY2018	7	$18.9 million
FY2019	6	$14.5 million
FY2020	withheld	withheld
FY2021	9	$18.0 million
FY2022	withheld	withheld
FY2023	5	$14.8 million
FY2024	withheld	withheld
FY2025	5	$12.9 million
FY2026	7	$21.8 million

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Alliant Bank	5	$9.2 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

County	Loans
Jackson County, MO	21
Platte County, MO	9
Johnson County, KS	8
Wyandotte County, KS	5
Clay County, MO	5

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

One code for hotels and motels; limited service and full service cannot be separated.

Shared code: Hotels and motels share 721110.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-28140-C07.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a hotel and motel project in the Kansas City, MO-KS Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Hotel Feasibility Study in the Kansas City, MO-KS Metro Area