Emprise Bank
SBA Preferred Lender in Wichita, KS: SBA 7(a) and Express loans $10,000 to $5M for KS, NE and MO businesses, 7.38% median rate, mostly fixed. Collateral required.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Established Kansas, Nebraska and Missouri businesses, including company buyers, that want a fixed-rate SBA 7(a) or SBA Express loan and can pledge collateral.
Not for: Borrowers outside that region, or anyone wanting posted rates or an unsecured loan.
Lender List verdict: Emprise Bank is a Wichita SBA Preferred Lender that approved 53 SBA 7(a) loans worth $27.2M in the 12 months to June 30, 2026, at a 7.38% median starting rate. Thirteen financed a business purchase.
Emprise Bank at a glance
Emprise Bank, of Wichita, Kansas, makes SBA 7(a), SBA Express and SBA 504 loans, mainly in Kansas, Nebraska and Missouri.
| Emprise Bank | |
|---|---|
| Lender type | FDIC-insured bank (cert 4789); SBA Preferred Lender |
| Founded / HQ | 1910 / Wichita, Kansas |
| Amounts | $10,000 to $5M since FY2020 (median $325,000 in the last 12 months) |
| Cost (headline) | 6.25% to 8.67%, median 7.38% (last 12 months) |
| Term | 24 to 300 months recently; 120 months most common |
| Status | Active; last SBA approval June 26, 2026 |
What is Emprise Bank?
Emprise Bank is a Wichita community bank established in 1910, with about $2.8 billion in assets and 32 offices.
Since FY2020 it has approved 244 SBA 7(a) loans totaling $112.5M: 172 for Kansas projects, 52 in Nebraska and 17 in Missouri. Source: SBA 7(a) FOIA data, FY2020–present, as of June 30, 2026 (data.sba.gov).
Emprise Bank's SBA programs
Emprise Bank offers SBA 7(a), SBA 504, SBA Express and SBA Small Loans, and processes and underwrites them in-house.
The 504 program is for real estate or equipment. Loans also fund acquisitions, buyouts, inventory, working capital and refinancing. Of its last 53 7(a) loans, 17 were SBA Express (up to $500,000) and 15 were revolving lines.
Emprise Bank rates and fees
Emprise Bank's SBA 7(a) loans in the year to June 30, 2026 started at 6.25% to 8.67%, median 7.38%, and 41 of 53 were fixed. With Prime at 7.00%, SBA caps fixed rates on loans of $250,000 or more at 12.0%. SBA charges a 3% guaranty fee on the guaranteed share of loans from $150,001 to $700,000; bank fees are unpublished.
Worked example: $350,000 over 10 years at 7.38% is $4,132.67 a month, or $145,920.89 in interest. Add the $7,875 guaranty fee ($350,000 × 75% × 3%) for total cost of $153,795.89, about 7.90% APR with the fee financed.
Emprise Bank requirements
Emprise Bank publishes no credit, revenue or down payment minimum.
| Requirement | Emprise Bank |
|---|---|
| Location | Mainly Kansas, Nebraska or Missouri projects |
| Collateral | Taken on all 53 loans in the last 12 months |
| Personal guarantee | Owners of 20% or more (SBA rule) |
| Business size | Must meet SBA size standards |
| Credit score / time in business | Lender does not publish |
Compare SBA 7(a) lenders, or see the national SBA lender Newtek Bank and the loan marketplace Lendio.
Frequently asked questions about Emprise Bank
Is Emprise Bank Legit? Yes. Emprise Bank is an active FDIC-insured bank (certificate 4789) established in 1910, with $2.8 billion in assets. Independent records back that up: as an SBA Preferred Lender it has approved 244 SBA 7(a) loans since FY2020, and only one has been charged off. The bank says Forbes named it a Best-In-State Bank for Kansas from 2021 to 2025.
How Long Does Emprise Bank Take to Close an SBA Loan? Emprise Bank does not publish a timeline; standard SBA 7(a) loans often take 60 to 90 days. 51 of its 53 recent loans were approved under PLP or SBA Express delegated authority, skipping the 5 to 10 business days of SBA review that non-delegated loans face.
Does Emprise Bank Lend to Startups? Sometimes. Seven of Emprise Bank's 53 SBA 7(a) loans in the 12 months to June 30, 2026 funded businesses that had not yet opened, and four more went to firms two years old or younger. Thirteen others financed a change of ownership.
Where Is Emprise Bank Located? Emprise Bank is headquartered at 257 N. Broadway Ave. in Wichita, Kansas, with 32 offices. Of its last 53 SBA loans, 38 financed Kansas projects, 9 Nebraska and 6 Missouri. Its SBA team also includes a Kansas City market president.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Established Kansas, Nebraska and Missouri businesses, including company buyers, that want a fixed-rate SBA 7(a) or SBA Express loan and can pledge collateral.
Not for: Borrowers outside that region, or anyone wanting posted rates or an unsecured loan.
Lender List verdict: Emprise Bank is a Wichita SBA Preferred Lender that approved 53 SBA 7(a) loans worth $27.2M in the 12 months to June 30, 2026, at a 7.38% median starting rate. Thirteen financed a business purchase.
Emprise Bank at a glance
Emprise Bank, of Wichita, Kansas, makes SBA 7(a), SBA Express and SBA 504 loans, mainly in Kansas, Nebraska and Missouri.
| Emprise Bank | |
|---|---|
| Lender type | FDIC-insured bank (cert 4789); SBA Preferred Lender |
| Founded / HQ | 1910 / Wichita, Kansas |
| Amounts | $10,000 to $5M since FY2020 (median $325,000 in the last 12 months) |
| Cost (headline) | 6.25% to 8.67%, median 7.38% (last 12 months) |
| Term | 24 to 300 months recently; 120 months most common |
| Status | Active; last SBA approval June 26, 2026 |
What is Emprise Bank?
Emprise Bank is a Wichita community bank established in 1910, with about $2.8 billion in assets and 32 offices.
Since FY2020 it has approved 244 SBA 7(a) loans totaling $112.5M: 172 for Kansas projects, 52 in Nebraska and 17 in Missouri. Source: SBA 7(a) FOIA data, FY2020–present, as of June 30, 2026 (data.sba.gov).
Emprise Bank's SBA programs
Emprise Bank offers SBA 7(a), SBA 504, SBA Express and SBA Small Loans, and processes and underwrites them in-house.
The 504 program is for real estate or equipment. Loans also fund acquisitions, buyouts, inventory, working capital and refinancing. Of its last 53 7(a) loans, 17 were SBA Express (up to $500,000) and 15 were revolving lines.
Emprise Bank rates and fees
Emprise Bank's SBA 7(a) loans in the year to June 30, 2026 started at 6.25% to 8.67%, median 7.38%, and 41 of 53 were fixed. With Prime at 7.00%, SBA caps fixed rates on loans of $250,000 or more at 12.0%. SBA charges a 3% guaranty fee on the guaranteed share of loans from $150,001 to $700,000; bank fees are unpublished.
Worked example: $350,000 over 10 years at 7.38% is $4,132.67 a month, or $145,920.89 in interest. Add the $7,875 guaranty fee ($350,000 × 75% × 3%) for total cost of $153,795.89, about 7.90% APR with the fee financed.
Emprise Bank requirements
Emprise Bank publishes no credit, revenue or down payment minimum.
| Requirement | Emprise Bank |
|---|---|
| Location | Mainly Kansas, Nebraska or Missouri projects |
| Collateral | Taken on all 53 loans in the last 12 months |
| Personal guarantee | Owners of 20% or more (SBA rule) |
| Business size | Must meet SBA size standards |
| Credit score / time in business | Lender does not publish |
Compare SBA 7(a) lenders, or see the national SBA lender Newtek Bank and the loan marketplace Lendio.
Frequently asked questions about Emprise Bank
Is Emprise Bank Legit? Yes. Emprise Bank is an active FDIC-insured bank (certificate 4789) established in 1910, with $2.8 billion in assets. Independent records back that up: as an SBA Preferred Lender it has approved 244 SBA 7(a) loans since FY2020, and only one has been charged off. The bank says Forbes named it a Best-In-State Bank for Kansas from 2021 to 2025.
How Long Does Emprise Bank Take to Close an SBA Loan? Emprise Bank does not publish a timeline; standard SBA 7(a) loans often take 60 to 90 days. 51 of its 53 recent loans were approved under PLP or SBA Express delegated authority, skipping the 5 to 10 business days of SBA review that non-delegated loans face.
Does Emprise Bank Lend to Startups? Sometimes. Seven of Emprise Bank's 53 SBA 7(a) loans in the 12 months to June 30, 2026 funded businesses that had not yet opened, and four more went to firms two years old or younger. Thirteen others financed a change of ownership.
Where Is Emprise Bank Located? Emprise Bank is headquartered at 257 N. Broadway Ave. in Wichita, Kansas, with 32 offices. Of its last 53 SBA loans, 38 financed Kansas projects, 9 Nebraska and 6 Missouri. Its SBA team also includes a Kansas City market president.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Related listings
Saratoga Springs, NY private credit advisory arranging $50K–$20M working capital: lines of credit, term loans, ABL, equi...
SBA Preferred Lender bank: SBA 7(a) up to $5M plus SBA 504, 8.0% median fixed rate (last 12 months), collateral required...
SBA Preferred Lender in ME and NH: SBA 7(a) and Express up to $1.75M, 7.75% median rate (last 12 months), collateral req...
Louisville SBA Preferred Lender: 7(a) and 504 loans up to $5M, Express to $500K, 7.75% median starting rate, startups OK...
SBA Preferred Lender for MN, WI and ND owners: 7(a), 504, Express and CAPLine to $5M, median 9.25% variable, ~10-yr term...
SBA Preferred Lender bank in CT: SBA 7(a) and Express up to $5M, 9.75% median rate (last 12 months), collateral required...