SBA Loans in Hays, KS
Unlock the power of the SBA to fuel your business growth, with flexible terms and low rates
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Great Rates, Less Requirements & Smaller Down Payments
SBA loans in Hays, KS through StartCap deliver tailored solutions for small businesses. Our competitive rates and expert advice make funding your dreams easy. Launch your business into a brighter future today.
Rates as Low as 6%
Yes, you read that correctly—access SBA loans with competitive rates that help your business thrive.
Terms up to 25 Years
Enjoy long repayment terms, giving you the flexibility to manage your cash flow over time.
Flexible Uses
Use your SBA loan for working capital, equipment, real estate, or other business expenses.
We're More Than Hays SBA Loans
StartCap delivers the financial support businesses in Ellis County need to achieve their goals. Our flexible options are designed to empower entrepreneurs, offering the resources to help your business grow and thrive in any market.
From idea to orbit, we've got you covered.
No matter where you're at in your journey, we have options to help you get to the next level.
Idea-Stage
Got a brilliant idea and ready to launch? We’ll help you get registered with your state and secure the funding you need to take off.
Early-Stage
Lifting off can be tough, but it doesn’t have to be. We’re here to give your new venture the boost it needs to soar.
Well-Established
Keep operations running seamlessly with the right funding for vendors, inventory, payroll—whatever your business needs to stay on course.
+ 3-Months of Free Digital Marketing
For a limited time, our expert in-house marketing team is offering 3 months of premium marketing services—valued at $20,000—to help drive leads and sales for your start-up, whether you're in Hays or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Hays, KS
For entrepreneurs in Hays and beyond, the path to success is made easier with flexible financing solutions. Tailored resources are available to meet your specific needs and drive growth. From Great Bend to Holdrege and beyond, we're your credit line specialists.
SBA Loan FAQ's
Hays, KS rises from the Kansas prairie with a dynamic small business ecosystem threading through Ellis County's economic landscape. Local founders seeking financial support for their ventures often explore Small Business Administration (SBA) loan opportunities to fuel growth and operational expansion.
Here are a few local suggestions:- First Bank Kansas at Main Street & Broadway Avenue
- Central National Bank at 27th & Vine Street
- Bank of Hays at Highway 183 & Interstate 70
- Smoky Valley Bank at 11th & Elm Street
- Ellis County Credit Union at Highway 183 North
SBA loans offer flexibility for new business owners, covering equipment purchases, working capital, real estate acquisitions, and refinancing existing debt. StartCap Lending Services provides comprehensive consultation for businesses exploring financing options beyond traditional local banking resources in Kansas.
Note: StartCap is not associated with the above lenders in any way. Contact your local branch for the most accurate information & requirements.Interest rates for SBA loans in Hays, can vary widely based on the lender, loan type, and your personal credit profile. Traditional banks typically offer rates between 6% to 12% for well-qualified borrowers, though approval can be strict. SBA loans in Hays, which are popular for new businesses, generally have rates ranging from 6% to 13%, depending on the loan program. Alternative and online lenders may have higher rates, often between 6% to 30%, as they take on more risk, offer more flexible requirements, and time to funding is much faster.
Yes, your business needs to be registered with the state to qualify for SBA funding. However, to receive funding from StartCap, your business doesn't need to be registered with the state. We can help you explore alternative funding options that rely more on personal credit, income, or assets if you're not registered. Or, we can help you to get registered.
Small business owners in Ellis County, KS find SBA loans accessible for various enterprises. Local establishments like retail shops, restaurants, agricultural service providers, and professional services in Hays often qualify for these financial resources. Manufacturing and technology startups within the region may also meet SBA lending criteria.
Service-based businesses such as plumbing contractors, HVAC technicians, landscaping companies, and electrical repair services frequently secure SBA loan support. Newer ventures targeting the regional economic ecosystem around Fort Hays State University can leverage these funding opportunities to expand operational capabilities.
