Healthcare practice financing in Kansas

Sources sit in the third column. Nothing here is legal advice; healthcare counsel in Kansas decides how it lands on a specific structure. Verified

Source: SBA 7(a) and 504 approval files, fiscal year 2025. Verified

Most of the Kansas paper sits in Overland Park, $6.8 million of it. Elsewhere the appraisal radius widens and the review runs longer. Verified

No row means no certification of that kind in Kansas. A not yet loaded cell names the dataset and stops there rather than estimating. Directional

JOHNSON leads Kansas with 31 certified providers, ahead of SEDGWICK at 20. Certified density is a proxy for payer depth, and payer depth is what a receivables line is sized against. Verified

Kansas shows 6,961 establishments in these fields against 66 approvals, 0.9 per 100. Against 66 approvals that is 0.9 per 100, a rough read on how often practices here reach for federally guaranteed debt. Verified

2,199 establishments sit in Johnson, more than any other Kansas county on file. A lender pricing an acquisition looks for comparable sales nearby, and a thin county means the appraisal leans on a wider radius. Verified

Wage data for Kansas opens with registered nurses at $79,320 across 33,800 positions. Hiring plans attached to a request get checked against figures like these, and a ramp built on below-market pay is where a projection usually breaks. Verified

Sedgwick tops the Kansas list with 197 of the state's 1,297 designations. Expansion into a designated county is easier to staff, which is usually the binding constraint on a growth plan rather than the money. Verified

• Residential care and treatment: 9 approvals, $7.0 million, $772,322 average. A Kansas request near $772,322 sits inside the band 9 approvals already established.
• Veterinary practices: 3 closings, $6.1 million approved, $2.0 million typical. That average is the reference point a Kansas credit committee starts from on a similar file.
• Dental offices: average approval $531,840 over 10 closings worth $5.3 million. At $531,840 against $5.3 million of state volume, that is an equipment or fit-out request more often than an acquisition.
• Home health and hospice: $4.5 million over 8 approvals in Kansas, $562,963 each, which sets what a comparable request can be documented against.
• Physician and specialty offices: average approval $1.0 million over 4 closings worth $4.2 million. At $1.0 million against $4.2 million of state volume, that is an equipment or fit-out request more often than an acquisition.
• Behavioral health and ABA: $2.4 million across 8 approvals, averaging $299,950. Above $299,950 the file needs collateral or trading history that most of those 8 Kansas borrowers did not have to show.
• Medical staffing: 3 approvals, $2.4 million, $788,333 average. A Kansas request near $788,333 sits inside the band 3 approvals already established.
• Med spa and personal care: 9 Kansas approvals totaling $2.0 million, $225,067 each. With only 9 Kansas approvals behind $2.0 million, the underwriter reads documents rather than precedent.
• Chiropractic offices: 6 Kansas approvals totaling $1.6 million, $274,533 each. With only 6 Kansas approvals behind $1.6 million, the underwriter reads documents rather than precedent.

• residential care and treatment carry 19 percent of the Kansas healthcare loan dollars, 9 approvals averaging $772,322. Anything meaningfully larger than that average is underwritten as an outlier in Kansas, with the diligence that implies.
• Second by dollars is veterinary practices, $6.1 million over 3 approvals, with dental offices behind it. Volume in a field is what turns a projection into a comparable, and it is the reason two identical requests price differently in Kansas.
• 686 medical equipment suppliers operate under CMS certification in Kansas. Certified capacity is the difference between buying revenue and building it, and lenders price those two paths differently.
• Real estate shows up as 2 504 approvals in Kansas. Because 504 is the owner-occupied real estate route, the number separates practices buying space from practices funding operations, and the two run on different timelines.

• 66 SBA approvals to Kansas healthcare borrowers in FY2025¹
• $36.8 million approved, averaging $557,338 per loan¹
• 1,004 CMS-certified providers across 5 categories²

• Healthcare AR line and payroll funding
• Partner buy-in, buy-out, and refinance
• Commercial real estate, owner-occupied
• Equipment financing and leasing
• Business line of credit
• Practice acquisition
• Startup and de novo

• Kansas State Loan Repayment Program, the state loan repayment route for clinicians recruited into shortage areas.
• Kansas State Board of Healing Arts, licensure and ownership questions for physicians.
• Kansas Dental Board, licensure and ownership questions for dentists.
• Kansas Office of the State Bank Commissioner, the regulator behind Commercial Financing Disclosure Act (K.S.A. 75-783 to 75-787).

Also covered in Kansas: Pittsburg, Ottawa, Derby, Andover, Lawrence, Manhattan, Spring Hill, Newton, Gardner, Bel Aire, Shawnee, Merriam, Mission, Lansing, Haysville

• All states covered
• Every financing program
• Maryland healthcare practice financing, for a second reading of the same datasets
• Mississippi healthcare practice financing, the nearest comparable record to this one
• Nevada healthcare practice financing, if the practice operates across the line
• Non-medical home care, and where the collateral usually comes from
• Imaging centers, read on the terms that field is underwritten on
• ASCs and OBLs, and where the collateral usually comes from
• Medical device and supply distributors, and the revenue mix a funder checks first
• Occupational health and drug testing, including what collections history is asked for
• General dentistry, read on the terms that field is underwritten on

1. 1SBA 7(a) and 504 approvals, FY2025
2. 2CMS provider certification files
3. 3NPPES provider registry
4. 4County Business Patterns 2022
5. 5BLS Occupational Employment and Wage Statistics, OEWS 2025
6. 6HRSA health professional shortage area file
7. 7Kansas corporate practice rules
8. 8Kansas certificate of need
9. 9Commercial Financing Disclosure Act (K.S.A. 75-783 to 75-787), Kansas Office of the State Bank Commissioner
10. 10Kansas State Loan Repayment Program
11. 11Kansas State Board of Healing Arts
12. 12Kansas Dental Board