Feasibility Study Data for the Topeka, KS Metro Area

The Topeka record in brief

Across Topeka, SBA's own files record 234 loans from FY2017 to FY2026, totalling $106.9 million of gross dollars. Topeka sits against every metro and micro area, by loans, as 284 of 928. The central half of Topeka approvals sits between $100,000 and $460,350, centred on a typical loan of $250,000; and the median sits at 1.20x the national median. Around Shawnee County, KS, SBA 7(a) holds 199 loans, and 35 through SBA 504. Franchised units took 12.0% of the loans.

Topeka: businesses and places

Beyond that, across the business classes we list for Topeka, full-service restaurant comes first with 22 loans, and then automotive mechanical repair (9) and fitness center (9). A further 133 loans in Topeka fall outside the classes. County by county, Shawnee County, KS holds 189 loans, then Jefferson County, KS (27) and Osage County, KS (7).

Topeka: who holds loans

Lenders shown for Topeka are lifted from SBA's released Topeka records of the 234 business loans in Topeka, carried at present or before; such records tie each holder yet say nothing of what lenders require. Further, under 7(a) in Topeka, the leading holders are Silver Lake Bank, with 29 loans for $5.6 million, then U.S. Bank, National Association, with 16 loans for $968,900. Among 504 loans in Topeka, SBA names Wakarusa Valley Development, Inc., with 21 loans for $11.1 million. An applicant near Shawnee County, KS should ask the Topeka holder Silver Lake Bank and the other Topeka holders near Shawnee County, KS what evidence it wants, then write the Topeka study around those requests.

Topeka: outcomes and calendar

Among Topeka approvals from FY2017 to FY2024, at least 10.3% were cancelled after approval in Topeka, and that is a floor; the full Topeka figure is no lower. For disbursed Topeka loans approved from FY2017 through FY2021, 8.1% stand charged off by now, a floor. In the same files, the within-five-years rate for Topeka is withheld on a small cohort, and it is empty, not zero. For the record, in the yearly line, Topeka hit its high in FY2025 at 33 loans and $13.5 million, and was weakest in FY2023 at 12 loans and $4.9 million.

Topeka: testing a project

For Topeka, begin with demand: who works in Shawnee County, KS, who travels in Jefferson County, KS, set against the rest of Topeka, and how much room 22 full-service restaurant loans leave. Budget: $250,000 is the Topeka median and $100,000 to $460,350 the middle half, so a Shawnee County, KS site should cost itself against this $250,000 benchmark. Coverage: Topeka coverage outlasts a sluggish year against the 10.3% floor for cancellation and 8.1% charge-off floor. The appraisal for Topeka needs to agree with the value assumed. Topeka follows the 2023 July area list; an approval whose county entry is unmapped appears in none of all other areas, Topeka as well, though the totals keep loans apart from the named classes.