Kansas: business records and regulators
Where to look a business up in Kansas, where to search the UCC filings against it, and the offices that regulate banks, lenders and securities there.
Last checked: November 1, 2026Links only: nothing you search for reaches us
Each link opens the state's own site in a new tab, so what you type there goes to that site, not to us. Some state searches charge a fee or ask you to make an account. Privacy
Kansas records and regulators
Business search
Look a business up in the state's register of businesses.
UCC search
Find the UCC filings against a business: the financing statements lenders file to record a lien on its assets, such as a blanket lien.
Kansas Secretary of State: Uniform Commercial Code (opens in a new tab)
Searching Kansas UCC filings online needs a subscription account with the Secretary of State; an online debtor search costs $10, and a paper search request (form UCCII) $20, plus $1 a page for copies.
Banking and lending regulator
Oversees the banks the state charters. Check its site for the lender and broker licenses the state requires.
Securities regulator
The state office for securities offerings, brokers and investment advisers.
Find a lender in Kansas
Official lists of the lenders that work in Kansas. Each opens on its own site, filtered to Kansas where the list allows it.
SBA 504 lenders (Certified Development Companies) (opens in a new tab)
The nonprofit lenders that make SBA 504 loans for property and big equipment, from the SBA's own list, filtered to the state.
SBA microloan lenders (opens in a new tab)
Nonprofit lenders that make SBA microloans of up to $50,000, from the SBA's own list, filtered to the state.
SBA Lender Match (opens in a new tab)
The SBA's own matching tool: you answer a few questions about your business on its site, and two business days later it gives you a list of the lenders interested; some may contact you. It is not a loan application. What you type goes to the SBA and those lenders, not to us.
Certified CDFIs (community lenders) (opens in a new tab)
The CDFI Fund's list of every certified community development financial institution (CDFI): loan funds, banks and credit unions. Download the list and sort it by the State column.
The FDIC's BankFind: search for the banks with offices in the state.
Credit unions (opens in a new tab)
The NCUA's credit union locator. Credit unions lend to their members, so check who can join.
Before you sign with any lender, check it is licensed: see the banking and lending regulator above, and Check a lender or platform. A few national lenders and platforms are named, with how they were chosen, in the provider directory.
State rules for Kansas on our route pages
- Accounts receivable financing: Since January 1, 2024 in Georgia and July 1, 2024 in Kansas, a lender that makes more than five commercial financing deals a year in the state must disclose, before or when you sign a deal of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. Banks and credit unions are not covered. Brokers may not charge you an upfront fee. The state attorney general enforces the law; it gives you no right to sue. (Georgia SB 90 (2023), as passed (Act 78): commercial financing disclosures, O.C.G.A. 10-1-393.18; Kansas Statutes 75-784: required disclosures (2024); Kansas Statutes 75-785 to 75-787: exceptions, brokers and penalties (2024))
- Business line of credit: Since January 1, 2024 in Georgia and July 1, 2024 in Kansas, a lender that makes more than five commercial financing deals a year in the state must disclose, before or when you sign a line of credit of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. Banks and credit unions, and financing secured by real property, are not covered. Brokers may not charge you an upfront fee. The state attorney general enforces the law; it gives you no right to sue. (Georgia SB 90 (2023), as passed (Act 78): commercial financing disclosures, O.C.G.A. 10-1-393.18; Georgia General Assembly: SB 90 (2023-2024 session), status history (Act 78, effective January 1, 2024); Kansas Statutes 75-783: Commercial Financing Disclosure Act, definitions (2024); Kansas Statutes 75-784: required disclosures (2024); Kansas Statutes 75-785 to 75-787: exceptions, brokers and penalties (2024))
- Business line of credit: Kansas's 15% limit on interest does not apply to loans made mainly for a business or a farm. Kansas's supervised lender license covers only loans to individuals mainly for personal, family or household purposes, not business loans. (Kansas Statutes 16-207: contract rate of interest and the transactions it does not cover (2024); Kansas Statutes 16a-1-301: definitions (consumer loan, supervised loan) (2024); Kansas Statutes 16a-2-301: authority to make or service supervised loans (2024))
- Commercial real estate loans: The state's commercial financing disclosure law does not cover financing secured by real property, so a commercial real estate loan comes without its cost disclosure. Ask the lender for the rate, fees and total cost in writing. (California Financial Code, Division 9.5: Commercial Financing Disclosures (sections 22800 to 22807); New York Financial Services Law section 802: exemptions; Utah Code 7-27-102: application of the Commercial Financing Registration and Disclosure Act; Florida Statutes 559.9612: scope of the Florida Commercial Financing Disclosure Law; Georgia SB 90 (2023), as passed (Act 78): O.C.G.A. 10-1-393.18(b); Kansas Statutes 75-785: exceptions to the Commercial Financing Disclosure Act (2024); Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law)
- E-commerce and payment platform finance: Since January 1, 2024 in Georgia and July 1, 2024 in Kansas, a provider that makes more than five commercial financing deals a year in the state must disclose, before or when you sign a deal of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. The law covers purchases of a business's receivables as well as loans. Banks and credit unions, and financing secured by real property, are not covered. Brokers may not charge you an upfront fee. The state attorney general enforces the law; it gives you no right to sue. (Georgia SB 90 (2023), as passed (Act 78): commercial financing disclosures, O.C.G.A. 10-1-393.18; Georgia General Assembly: SB 90 (2023-2024 session), status history (Act 78, effective January 1, 2024); Kansas Statutes 75-783: Commercial Financing Disclosure Act, definitions (2024); Kansas Statutes 75-784: required disclosures (2024); Kansas Statutes 75-785 to 75-787: exceptions, brokers and penalties (2024))
- Equipment loans and finance agreements: These states' commercial financing disclosure laws do not cover leases, or loans used to buy the equipment that secures them (purchase money loans), so equipment finance is usually outside them. (Florida Statutes 559.9612: scope of the Florida Commercial Financing Disclosure Law; Georgia SB 90 (2023), as passed (Act 78): O.C.G.A. 10-1-393.18(b); Kansas Statutes 75-785: exceptions to the Commercial Financing Disclosure Act (2024); Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law)
- Equipment loans and finance agreements: Kansas's 15% limit on interest does not apply to loans made mainly for a business or a farm. Kansas's supervised lender license covers only loans to individuals mainly for personal, family or household purposes, not business loans. (Kansas Statutes 16-207: contract rate of interest and the transactions it does not cover (2024); Kansas Statutes 16a-1-301: definitions (consumer loan, supervised loan) (2024); Kansas Statutes 16a-2-301: authority to make or service supervised loans (2024))
- Equipment leasing and sale-leaseback: These states' commercial financing disclosure laws do not cover leases, so equipment leases come without a state cost disclosure. Ask for the total of all payments in writing. (Florida Statutes 559.9612: scope of the Florida Commercial Financing Disclosure Law; Utah Code 7-27-102: application of the Commercial Financing Registration and Disclosure Act; Georgia SB 90 (2023), as passed (Act 78): O.C.G.A. 10-1-393.18(b); Kansas Statutes 75-785: exceptions to the Commercial Financing Disclosure Act (2024); Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law)
- Invoice factoring: Since January 1, 2024 in Georgia and July 1, 2024 in Kansas, a factor that makes more than five commercial financing deals a year in the state must disclose, before or when you sign a deal of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. The law covers buying invoices as well as loans. Banks and credit unions, and financing secured by real property, are not covered. Brokers may not charge you an upfront fee. The state attorney general enforces the law; it gives you no right to sue. (Georgia SB 90 (2023), as passed (Act 78): commercial financing disclosures, O.C.G.A. 10-1-393.18; Georgia General Assembly: SB 90 (2023-2024 session), status history (Act 78, effective January 1, 2024); Kansas Statutes 75-783: Commercial Financing Disclosure Act, definitions (2024); Kansas Statutes 75-784: required disclosures (2024); Kansas Statutes 75-785 to 75-787: exceptions, brokers and penalties (2024))
- Merchant cash advance: Since January 1, 2024 in Georgia and July 1, 2024 in Kansas, a provider that makes more than five commercial financing deals a year in the state must disclose, before or when you sign an advance of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. The law covers purchases of a business's receivables as well as loans. Banks and credit unions, and financing secured by real property, are not covered. Brokers may not charge you an upfront fee. The state attorney general enforces the law; it gives you no right to sue. (Georgia SB 90 (2023), as passed (Act 78): commercial financing disclosures, O.C.G.A. 10-1-393.18; Georgia General Assembly: SB 90 (2023-2024 session), status history (Act 78, effective January 1, 2024); Kansas Statutes 75-783: Commercial Financing Disclosure Act, definitions (2024); Kansas Statutes 75-784: required disclosures (2024); Kansas Statutes 75-785 to 75-787: exceptions, brokers and penalties (2024))
- Online business loans: Since January 1, 2024 in Georgia and July 1, 2024 in Kansas, a lender that makes more than five commercial financing deals a year in the state must disclose, before or when you sign a deal of $500,000 or less, the funds provided, the amount actually paid out, the total you will repay, the total dollar cost, the payments and any prepayment costs. No APR is required. An online platform that arranges loans from a partner bank counts as a provider, even though banks and credit unions themselves are exempt. Financing secured by real property is not covered. Brokers may not charge you an upfront fee. The state attorney general enforces the law; it gives you no right to sue. (Georgia SB 90 (2023), as passed (Act 78): commercial financing disclosures, O.C.G.A. 10-1-393.18; Georgia General Assembly: SB 90 (2023-2024 session), status history (Act 78, effective January 1, 2024); Kansas Statutes 75-783: Commercial Financing Disclosure Act, definitions (2024); Kansas Statutes 75-784: required disclosures (2024); Kansas Statutes 75-785 to 75-787: exceptions, brokers and penalties (2024))
- Online business loans: Kansas's 15% limit on interest does not apply to loans made mainly for a business or a farm. Kansas's supervised lender license covers only loans to individuals mainly for personal, family or household purposes, not business loans. (Kansas Statutes 16-207: contract rate of interest and the transactions it does not cover (2024); Kansas Statutes 16a-1-301: definitions (consumer loan, supervised loan) (2024); Kansas Statutes 16a-2-301: authority to make or service supervised loans (2024))
- Revenue-based finance: Since January 1, 2024 in Georgia and July 1, 2024 in Kansas, a provider that makes more than five commercial financing deals a year in the state must disclose, before or when you sign a deal of $500,000 or less, the funds provided, the amount actually paid out, the total you will pay, the total dollar cost, the payments and any prepayment costs. No APR is required. The law covers purchases of a business's receivables as well as loans. Banks and credit unions, and financing secured by real property, are not covered. Brokers may not charge you an upfront fee. The state attorney general enforces the law; it gives you no right to sue. (Georgia SB 90 (2023), as passed (Act 78): commercial financing disclosures, O.C.G.A. 10-1-393.18; Georgia General Assembly: SB 90 (2023-2024 session), status history (Act 78, effective January 1, 2024); Kansas Statutes 75-783: Commercial Financing Disclosure Act, definitions (2024); Kansas Statutes 75-784: required disclosures (2024); Kansas Statutes 75-785 to 75-787: exceptions, brokers and penalties (2024))
- Spot factoring (single invoices): A factor that makes more than five commercial financing deals a year in the state, and is not a bank or credit union, must disclose before or when you sign the funds you get, the total you will pay, the total dollar cost, the payments and any prepayment costs, for deals of up to $1 million in Utah and $500,000 in the other states. No APR is required. Utah also requires the factor to register with the state. (Utah Code Title 7, Chapter 27: Commercial Financing Registration and Disclosure Act; Florida Statutes, chapter 559, part XIII: Florida Commercial Financing Disclosure Law (559.961 to 559.9615); Georgia SB 90 (2023), as passed (Act 78): commercial financing disclosures, O.C.G.A. 10-1-393.18; Kansas Statutes 75-784: required disclosures (2024); Revised Statutes of Missouri 427.300: Commercial Financing Disclosure Law)
Sources
- Kansas Secretary of State: home page (Business Search; Uniform Commercial Code) · checked November 1, 2026
- Kansas Secretary of State: UCC Filing Information (online subscription, and search fees) · checked November 1, 2026
- Kansas Office of the State Bank Commissioner: home page · checked October 20, 2026
- Kansas Department of Insurance: Securities (the Securities Division regulates the securities industry) · checked November 1, 2026