A business needs access to available capital to grow and be competitive. When your firm needs financing for new equipment, working capital or to purchase a commercial building, consider an SBA Loan with Kearney Trust Company. We are deeply committed to providing an exceptional level of service through fast, in-house decision making.
Small Business Administration Loan Options
The Small Business Administration does not make direct loans to small businesses. Rather, SBA sets the guidelines for loans, which are then made by partners like Kearney Trust Company. So when a business applies for an SBA loan, it is actually applying for a commercial loan, structured according to SBA requirements with an SBA guaranty.

Kearney Trust Company offers 7(a), SBA Express and 504 lending options.
7(a) Loans
If you are approved for a 7(a) loan, the loan proceeds may be used to establish a new business or to assist in the acquisition, operation, or expansion of an existing business. Some eligible uses of a 7(a) loan include: commercial real estate acquisition, new construction or facility expansion, equipment purchase, long or short term working capital, and purchase of an existing business.
SBA Express Loans
This program is a streamlined version of the 7(a) SBA loan program with less government-mandated forms and procedures. The SBA sets a maximum loan amount of $350,000 on this program.
504 Loans
The 504 Loan Program provides approved small businesses with long-term, fixed-rate financing used to acquire fixed assets for expansion or modernization. These loans are typically structured so that the borrower's obligation is only 10% of the project costs, though under certain circumstances a borrower may be obligated to up to 20%.
What you need to get started:
Proof of past and future earnings
- A personal and business credit history
- A clearly defined business plan
- A completed loan application
Contact a Kearney Trust Company Business Banker to Get Started
Phone Number
(816) 628-6666
Loan Department Information
Email: loans@kearneytrust.com
NMLS #423039
Main Bank
Daniel J. Wilmes
Vice President/Loan Officer
NMLS: 454377
Division: Loan Officer
Location: Main Bank
Jason Scott Hoyt
Vice President/Loan Officer
NMLS: 804569
Divisions: Leadership, Loan Officer
Location: Main Bank
Daniel Goodroad
Vice President/Loan Officer
NMLS: 1848370
Division: Loan Officer
Location: Main Bank