Feasibility Study Data for the Wichita, KS Metro Area
What SBA's own loan files show about lending in the Wichita, KS Metro Area, every asset class together, and what a feasibility study for a project there has to test.
The scale of lending near Wichita
From FY2017 to FY2026, SBA approved 956 loans for projects in Wichita, totalling $513.3 million in gross dollars. Wichita ranks among every other area in the files, counted by loans, in place 101 of 928. The central half of Wichita approvals spans $125,000 to $603,250, about a median of $260,450; that puts the median at 1.25x the national median. Around Sedgwick County, KS, SBA 7(a) holds 852 loans, against 104 under SBA 504. Franchised units took 16.7% of approvals.
Wichita: where loans cluster
Further, within the named classes we track for Wichita, limited-service restaurant heads the list with 48 loans, then full-service restaurant (37) and hotel and motel, 22 loans. Also 665 loans in Wichita fall outside the classes. County by county, Sedgwick County, KS leads with 808 loans, followed by Butler County, KS (111), Sumner County, KS (20) and Harvey County, KS (17).
Wichita: holders of record
Lenders shown for Wichita are copied from SBA's archived Wichita records of the 956 guaranteed loans in Wichita, by present or former holder; such records show each file yet offer nothing on lender practice. Separately, on the 7(a) side around Sedgwick County, KS, SBA's records name Emprise Bank (162 loans, $70.4 million); after it, INTRUST Bank National Association, holding 84 loans worth $29.4 million. Among 504 loans in Wichita, the records show Rural Missouri, Inc. at 73 loans and $57.2 million, ahead of Frontier Financial Partners, Inc. (18 loans, $15.8 million). An applicant in Wichita can ask the leading Wichita holder Emprise Bank or any other Wichita holder near Sedgwick County, KS which documents it requires, then shape the Wichita study to answer that.
Wichita: cancellations and charge-offs
Among Wichita approvals from FY2017 to FY2024, not below 11.4% ended in cancellation after approval in Wichita, and that is a floor; the true Wichita figure is no lower. Further, among disbursed Wichita loans approved from FY2017 to FY2021, 3.7% show as charged off as of today, also a floor; 1.9% had been charged off inside the first five years, out of a group of 378 loans. In the yearly line, Wichita was strongest in FY2024 at 114 loans and $66.7 million, and bottomed out in FY2018 at 71 loans and $26.1 million.
Wichita: testing a project
For Wichita, begin with demand: who shops in Sedgwick County, KS, who shops in Butler County, KS, measured against the rest of Wichita, and how much room 48 limited-service restaurant loans leave. Cost next: $260,450 is the Wichita median and $125,000 to $603,250 where half of loans fall, so a Sedgwick County, KS site must justify its budget against this $260,450 marker. Coverage: Wichita repayment outlasts a weak year against the 11.4% cancellation floor plus the 3.7% rate of charge-off. An appraisal in Wichita must support the figure assumed. Wichita adopts the July 2023 boundaries; a case whose listed county fails to match appears in none of all other areas, Wichita among them, though the totals cover loans apart from the listed classes.
SBA loans in the Wichita, KS Metro Area
| Loans approved, FY2017 to FY2026 | 956 |
|---|---|
| Gross dollars approved | $513.3 million |
| Median loan | $260,450 |
| Middle half of loans, from | $125,000 |
| Middle half of loans, to | $603,250 |
| SBA 7(a) loans | 852 |
| SBA 504 loans | 104 |
| Franchise share of loans | 16.7% |
| Rank among metro and micro areas by loans | 101 of 928 |
| Median loan against the national median | 1.25x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 11.4% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 3.7% |
| Charged off within five years of approval | 1.9% |
| Loans in that cohort | 378 |
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 loans approved in the Wichita, KS Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 91 | $44.3 million |
| FY2018 | 71 | $26.1 million |
| FY2019 | 76 | $38.8 million |
| FY2020 | 86 | $36.5 million |
| FY2021 | 97 | $56.7 million |
| FY2022 | 90 | $53.4 million |
| FY2023 | 104 | $59.7 million |
| FY2024 | 114 | $66.7 million |
| FY2025 | 114 | $58.7 million |
| FY2026 | 113 | $72.3 million |
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 665 |
| Limited-service restaurant | 48 |
| Full-service restaurant | 37 |
| Hotel and motel | 22 |
| Fitness center | 22 |
| Beauty salon | 20 |
| Medical office (physicians) | 18 |
| Veterinary clinic | 16 |
| Automotive mechanical repair (car and truck) | 15 |
| Dental office | 14 |
| Coffee shop and snack bar | 12 |
| Rehabilitation and therapy clinic | 10 |
| Assisted living (without nursing care) | 8 |
| Beverage manufacturing (breweries, wineries, distilleries) | 7 |
| Child care center | 7 |
| Nonresidential lessor (flex, office and retail investor buildings) | 6 |
| Self storage | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Rural Missouri, Inc. | 73 | $57.2 million |
| Frontier Financial Partners, Inc. | 18 | $15.8 million |
| Lender | Loans | Dollars |
|---|---|---|
| Emprise Bank | 162 | $70.4 million |
| INTRUST Bank National Association | 84 | $29.4 million |
| Fidelity Bank, National Association | 44 | $31.3 million |
| Equity Bank | 43 | $27.1 million |
| Community National Bank & Trust | 36 | $14.8 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 |
|---|---|
| Sedgwick County, KS | 808 |
| Butler County, KS | 111 |
| Sumner County, KS | 20 |
| Harvey County, KS | 17 |
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.
All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.
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 MT-48620.
Related feasibility study pages
- Kansas feasibility study consultant
- Feasibility Study Data by Metro Area
- SBA feasibility study company
- Feasibility Study Data for the Topeka, KS Metro Area
- Feasibility Study Data for the Lawrence, KS Metro Area
- Feasibility Study Data for the Manhattan, KS Metro Area
- Feasibility Study Data for the Hays, KS Micro Area
Feasibility study data by asset class in the Wichita, KS Metro Area
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Wichita, 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.
Request Scope & Timeline
Start with the data.
Contact Us