Small Business (SBA) Loans

Grow your business into a stronger, more profitable, company with a Small Business Administration (SBA) loan from Capitol Federal®. Whether you need initial startup funding or to buy additional equipment, we have an SBA loan for you.

As an experienced SBA Lender, we have the knowledge to secure the financing you need more quickly. And as an SBA Express Lender, our process offers faster loan underwriting and approval. We understand small business and will work with you to understand your unique needs.

All loans are subject to SBA approval, including collateral, underwriting and credit approval. Only for-profit businesses qualify.


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SBA 7(a) Loan

  • Use as initial funding for a startup or to expand an existing business 
  • Only small for-profit businesses qualify 
  • Loans up to $5 million 
  • Terms up to 5 to 7 years for working capital; up to 10 years for equipment; and up to 25 years on fixed assets, including real estate 
  • Approved for commercial real estate, construction or renovation, purchase of machinery or equipment, purchase of furniture or fixtures, working capital, inventory, line of credit, refinancing existing debt, and purchasing eligible businesses 
SBA loans can offer certain benefits not available with other types of loans. Check out the SBA website for additional information on the loan programs offered.


Download SBA 7(a) Application
Panel image for a Small Business Loan at Capitol Federal®.
Panel image for a Small Business Loan at Capitol Federal®.

SBA 504 Loan

  • Loans up to $5 million
  • Low down payment
  • Option of a 10, 20, or 25 year fully amortizing term with a fixed interest rate on SBA portion
  • Must be used for fixed asset projects such as purchasing land and improvements, including existing buildings, grading, street improvements, utilities, parking lots and landscaping; construction of new facilities 
  • May be used for modernizing, renovating or converting existing facilities; purchasing long-term machinery and equipment, in addition to eligible debt refinancing 
  • Cannot be used for working capital or inventory, consolidating or repaying debt 
SBA loans can offer certain benefits not available with other types of loans. Check out the SBA website for additional information on the loan programs offered.


Download SBA 504 Application