Business Loans Built for Your Goals
Emprise Bank offers a wide range of business loans tailored to your goals. Our local lending advisors can walk you through business financing options so you can choose the plan that moves your business forward with confidence.
Limited-Time Offer to Move Your Business Forward
For a limited time, get a fixed-rate business loan up to $250,000. 6.99% fixed rate* when you auto debit payments from a qualifying Emprise business checking account or 7.49% fixed rate* without one.
*All loans are subject to credit approval. Offer expires 12/31/26. Minimum loan amount $5,000; maximum loan amount $250,000. Offer available on qualifying closed-end business loans with a maximum amortization of 60 months. Real estate secured and open-end revolving loans are not eligible. Existing Emprise Bank loans are not eligible for renegotiated terms under this promotion. A 6.99% fixed interest rate requires automatic loan payments from an Emprise Bank business checking account. For existing business checking accounts, the account must maintain an average balance of at least $1,000 for the preceding six months, or for the life of the account if open less than six months. New customers must open an Emprise Bank business checking account with a minimum opening balance of $1,000 prior to loan closing and establish automatic loan payments from that account. Qualifying loans that do not meet these relationship requirements will receive a 7.49% fixed interest rate. Approved borrowers may choose either a waiver of the $350 loan origination fee or a 90-day payment deferral. Interest continues to accrue during the 90-day payment deferral. Other terms and conditions may apply.
Why choose Emprise Bank for your business loan?
Trust Emprise to customize a loan that works for you and gets you a decision faster, no matter your business financing needs.
- Local decision-making and relationship-based guidance
- Competitive rates and flexible terms
- Secured and unsecured loan options
- Financing customized to your business needs
- Advisors who understand local business communities in Kansas, Missouri and Nebraska
- Online application for loans $250,000 or less
- Dedicated business banking centers in Wichita, Kansas City, Omaha, Hays, Lawrence, El Dorado, Iola and McPherson
What are my business financing options?
Our goal is to help you open doors. When your business needs money to grow, we offer financing solutions that work.
Business lines of credit: Working capital, seasonal needs, inventory, payroll gaps or short-term cash flow.
Equipment loans: Machinery, technology, tools, manufacturing equipment or other business assets.
Commercial vehicle loans: Company cars, trucks, vans, fleet vehicles or specialty vehicles.
Real estate loans: Residential and commercial construction, land acquisition and development, investment properties
Medical practices and providers: Practice acquisition, medical equipment and technology, real estate, line of credit
Farms and agribusinesses: Farmland acquisition and expansion, operations, equipment purchase and leasing, livestock, real estate, line of credit, FSA loans
Business loans in Kansas, Missouri and Nebraska
Emprise Bank supports businesses throughout Kansas, Missouri and Nebraska. Our local teams understand the markets, industries and communities our customers serve. Whether your business is in Wichita, Kansas City, Lawrence, Hays, Omaha or another nearby community, we can help you explore financing options that fit your goals.
Emprise Bank Business Loan FAQs
Emprise Bank offers commercial loans, SBA loans and commercial real estate loans to cover:
- Ownership transactions and business acquisitions
- Equipment loans (equipment leases and purchases)
- Cars, trucks, vans, fleets and specialized vehicles
- Working capital and cash flow
- Inventory loans and leasing
- Seasonal financing
- Real estate purchases and renovations
- Refinancing debt
- Construction projects
- Investment properties and development opportunities
We also offer specialized loans for medical practices and providers, and agribusinesses. Talk to an experienced loan advisor about our custom business financing options.
Yes. Emprise Bank is a Preferred SBA Lender. We help small businesses get funds for growth, equipment, real estate, working capital and other business needs.
Our SBA loan advisors guide small business owners through the loan process so you can move forward with confidence. We offer customized loan solutions tailored to your business’ needs and goals.
With Emprise Bank, you get local decision-making, processing and underwriting for a faster closing. Talk to us about SBA loan programs like 7(a), 504, Express, and Small Loans.
SBA loans are backed by the U.S. Small Business Administration. They may offer lower down payments, longer repayment terms, and more favorable rates than some conventional loans.
Our local SBA loan advisors take time to understand your goals and match you with the right SBA loan program. We process and underwrite SBA loans in-house, which means responsive service and a streamlined experience for you.
Learn more about SBA loans.
Yes. We accept online applications for loans of $100,000 or less. Contact us for loans more than $100,000.
What information do I need to apply for a business loan?
You'll need to provide financial documents to show your plans for the funds and your ability to repay. That usually includes:
- Bank statements and tax returns
- Income and cash flow statements
- Business plan
You'll also need to provide legal documents to establish your ownership and ability to provide a product or service:
- Your identification and business ID
- Any licenses or permits
- Partnership agreements and/or articles of incorporation
Our loan advisors can talk to you about the documents you need for your application.
To better understand the underwriting process, check out How to Use the 5 Cs of Credit to Prepare Your Business Loan Application - Emprise Bank.
You'll need to provide financial documents to show your plans for the funds and your ability to repay. That usually includes:
- Bank statements and tax returns
- Income and cash flow statements
- Business plan
You'll also need to provide legal documents to establish your ownership and ability to provide a product or service:
- Your identification and business ID
- Any licenses or permits
- Partnership agreements and/or articles of incorporation
Our loan advisors can talk to you about the documents you need for your application.
To better understand the underwriting process, check out How to Use the 5 Cs of Credit to Prepare Your Business Loan Application - Emprise Bank.
Yes. You may contact us at 855.383.4301 to talk to a business lending advisor. Business loan advisors work from branches in Hays, Lawrence, El Dorado, McPherson, Iola and Wichita, Kansas; Kansas City Missouri; and Omaha, Nebraska.
A business loan gives you one lump sum that you repay over a set term with regular payments. It can be a good fit for larger, one-time expenses such as equipment, expansion or renovations.
A business line of credit gives you access to funds you can use as needed. You only borrow what you need, repay what you use and keep the flexibility to cover seasonal inventory, short-term needs or unexpected expenses.
If you have questions about which type of financing is right for your business, talk with one of our business loan advisors at 855.383.4301.
The right financing option depends on your needs, your goals and how your business is performing. A conversation with a business lending advisor can help you understand your options and determine the right course for your business.
Apply Online for a Business Loan
Ready to explore business financing? Apply online for loans of $250,000 or less, or contact an Emprise business lending advisor for larger or customized financing needs.