About this programme
NetWork Kansas's Loan Programs, run with the Kansas Department of Commerce through the State Small Business Credit Initiative, provide financial resources for entrepreneurs and small businesses that face challenges securing traditional funding, whether they are starting a new venture, expanding an existing business, or working through a financial hurdle.
The program targets small businesses in Kansas, with a focus on underserved populations: rural, urban-distressed, minority-owned, and women-owned businesses. Rather than lending directly on its own, Network Kansas offers matching loans that help other funders close deals, reducing risk for lenders and helping fund projects that might otherwise not be viable.
How it works
Loan amounts vary by program but can go up to $1 million, with terms from 1 to 10 years depending on the specific program.
Certain programs require matching funds from private or public sources; the exact requirement depends on the loan type, detailed in Network Kansas's Funding Program Quick Guide.
The application runs through an approved Network Kansas Partner, who submits the completed application to Network Kansas for review. Network Kansas reviews loan applications twice a month, typically within two weeks.
If approved, Network Kansas electronically sends closing documents to the borrower or the Network Kansas Partner, who works with Network Kansas to finalize the deal. Loan funds typically arrive within 10 business days of the closing documents being finalized.
Loan payments are set up via ACH and paid automatically each month per the agreed schedule.
The Impact Investment Center checks in annually to track the business's progress and impact, continuing until the loan is paid in full.
For the related eCommunity Loan Program specifically, the review timeline is set by the local Financial Review Board rather than the twice-monthly Network Kansas review cycle.
Who can apply
The business must be Kansas-based, for-profit or non-profit, applied for through an approved Network Kansas resource partner.
Priority goes to underserved geographies and populations: rural, urban-distressed, minority-owned, and women-owned businesses.
Matching funds from a bank, CDFI, or other private or public source are required for certain programs.
How to apply
- Complete the Network Kansas Intake Form to connect with the team and describe your business needs.
- Network Kansas reaches out to guide you through next steps and, where appropriate, connects you with a Network Kansas Partner to support your application.
- Submit your documents to that Partner, who compiles the completed application and submits it to Network Kansas for review.
- Network Kansas reviews applications twice a month, typically within about two weeks, then communicates the approval status to your Network Kansas Partner.
- If approved, closing documents are sent electronically to you or your Partner to finalize the deal.
- Once closing documents are finalized, expect loan funds within 10 business days.
- Network Kansas's Impact Investment Center follows up annually until the loan is paid in full.
Frequently asked
How much can I borrow?
Loan amounts vary by program but can be up to $1 million, with terms from 1 to 10 years, depending on the specific loan program.
How do I apply?
You apply through an approved Network Kansas Partner. If you are not yet connected with one, contact the Impact Investing Center; if you already have a partner, they handle the application process and submit it to Network Kansas.
How long does approval take?
Applications are reviewed bi-weekly (twice a month), typically within about two weeks. Once approved, closing documents go out and funds typically arrive within 10 business days. For the eCommunity Loan Program specifically, the timeline is set by the local Financial Review Board instead.
Do I need collateral?
Collateral requirements vary by program and lender. The loan programs are designed to reduce risk for lenders, making them more likely to approve deals that might not otherwise qualify.
Are matching funds required?
Yes, for certain programs, matching funds from private or public sources are required, depending on the specific loan type.
What happens after I get the loan?
Payments are set up via ACH and paid automatically each month per the scheduled agreement, and Network Kansas follows up annually to track the loan's impact until it is paid in full.
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Reviewed 2026-09-25. Programmes change, so check eligibility, amounts and deadlines on the official page before you apply. CapEasy is a private firm and is not part of any government body.