Mo-Kan Development

What Mo-Kan Development does

Mo-Kan Development is the operational lending and program-administration arm of the Mo-Kan Regional Council, a designated Regional Planning Commission (RPC) and Economic Development District (EDD) recognized by Kansas, Missouri, and the federal government since 1968. Headquartered in Saint Joseph, Missouri, it serves a 15-county region across northwest Missouri and northeast Kansas, providing community planning, gap-financing loan programs (SBA 504, SBA 7(a), Mo-Kan RLF, USDA RBEG microloan, and an EPA Brownfield Cleanup RLF), GIS and mapping services, hazard mitigation planning, transportation planning, and homeland security coordination. Its bank-intermediated lending model pairs a local lender (~50% of project) with Mo-Kan Development, Inc. (30–40% gap financing) and the borrower (10–20% down), offering below-market fixed rates and 10- or 20-year terms on fixed-asset financing from $25,000 to $5.5 million.

Revenue is generated through a mix of below-market fixed-rate interest on the RLF and SBA 504 gap-financing portions, service fees for non-member GIS and mapping work (members pay lower rates offset by community assessments), pass-through government contracts (Missouri Office of Homeland Security for Region H RHSOC, MoDOT for the TAC), and recurring multi-year planning mandates (CEDS, HMP, CEDS Committee, regional transportation). Capital and operating support are sourced primarily from federal grants (EDA, USDA, EPA, FEMA), state partnerships (MoDOT, SEMA), and member community assessments rather than private equity. Mo-Kan's value proposition rests on its regulatory designation as the regional convener, 57 years of institutional relationships with federal and state funders, and an integrated ecosystem of chamber, SBDC, and entrepreneurship partners that funnel small businesses and communities into its programs.

Customer concentration is structurally low: borrowers are individual SMBs across rural counties (e.g., SJC Marketing in Buchanan County, City of Agency for brownfield subgrant), members are county and municipal governments, and government counterparties are diversified across multiple state and federal agencies. Quantitative outcome disclosures include $3M+ in RLF loans and $14.5M+ in leveraged private-sector lending since 1990, six SBA-funded loans worth $1.3M+ in 2017 alone creating 22 new and 18 retained jobs, and a $1M EPA Brownfield grant supporting remediation across 15 counties. The organization's growth trajectory is moderate, driven by expanding program breadth (Vision Zero safety planning, Mobile Lab, recurring CEDS/HMP cycles) rather than headcount or revenue acceleration.

Name

Mo-Kan Development

Legal name

Mo-Kan Development, Inc.

Website

https://mo-kan.org

Company type

Private

Founded year

1968

Operating status

Operating

Headcount range

11–50 employees

Short description

Mo-Kan Development is the lending and program-administration arm of the Mo-Kan Regional Council, a designated Regional Planning Commission and Economic Development District serving 15 counties in northwest Missouri and northeast Kansas. It provides SBA 504/7(a) and RLF gap financing, GIS, hazard mitigation, transportation, and homeland security services to SMBs, member communities, and state/federal counterparties.

Ownership category

akta.pro rank

Product category

Regional Planning & Economic Development Services

akta.pro primary industry

Knowledge Management & KCS Programs (BPAEAJAJ)

akta.pro secondary industries

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC), Economic Development & Business Licensing (Local) (BPAIACAN)

Keywords

• Regional planning services
• Economic development lending
• Community development planning
• GIS mapping services
• Brownfield remediation loans

Headquarters

HQ city

Saint Joseph

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. SBA 504 Loan Program participation fees and gap-financing interest: Mo-Kan Development, Inc. participates in SBA 504 loans ($25,000 to $5,500,000) by providing technical assistance, loan packaging, and gap financing (typically 30-40% of project); receives below-market fixed-rate interest income on funded portions.
2. SBA 7(a) Loan Program technical assistance and packaging: Mo-Kan participates in the 7(a) program by providing technical assistance to the business/entrepreneur and packaging the guaranty application, while the loan is provided by a bank of choice (lender sets terms/rate).
3. Mo-Kan Revolving Loan Fund (RLF) interest: Locally operated RLF originally funded through the federal EDA and local funds, providing gap financing for small businesses ($20,000 to $200,000) at below-market fixed interest rates. Since inception has loaned out over $3 million (six times the original investment) and leveraged over $14.5 million from private sector lenders.
4. USDA RBEG Microloan Fund (RLF) interest: USDA Rural Business Enterprise Grant-funded microloan fund for small and emerging private businesses in rural Missouri counties (Andrew, Buchanan, Clinton, DeKalb) with loan amounts $2,500-$30,000 at typically 4%-6% rates.
5. GIS mapping and data services (service-fee basis): Mapping services and products provided to member communities at lower cost (offset by annual community assessments) and to non-members on a service-fee basis; large-format printing, scanning, demographic profiles, and infographics.
6. Brownfield Cleanup RLF (loans and subgrants): $1 million EPA Cleanup and Revolving Loan Fund Grant (2014) provides loans and subgrants of up to $200,000 for cleanup remediation to businesses, non-profits, and local governments with a 20% cost share.
7. Government contracts and pass-through funding (Region H RHSOC): Contracted with Missouri Office of Homeland Security to provide event coordination, administration, fiscal operations, professional development, community outreach, and publicity for the Region H Homeland Security Oversight Committee (32-member, 16-discipline body) since 2006.
8. Transportation equipment rental and transportation planning services: Partnered with MoDOT since 1996 to administer a Transportation Advisory Committee; member communities can rent LED event signs, speed radar trailers, and traffic counters.
9. Hazard Mitigation Planning services: Facilitates Multi-Jurisdictional Hazard Mitigation Plans (HMP) for four Missouri counties, enabling participating counties/cities/school districts to apply for mitigation grant funding.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels8 records

Core offering

Mo-Kan Development (operating as Mo-Kan Regional Council) is a designated Regional Planning Commission (RPC) and Economic Development District (EDD) that provides community planning, economic development, and small-business financing services to a 15-county service region in northwest Missouri and northeast Kansas. Its core offerings include SBA 504 and SBA 7(a) loan packaging, a Revolving Loan Fund (RLF) for gap financing, GIS mapping and data services, multi-jurisdictional hazard mitigation planning, transportation planning administration, brownfield remediation loans and subgrants, and administration of the Region H Homeland Security Oversight Committee.

Differentiator

Problem solved

Functional benefit

Products and services

• SBA 504 Loan Program Fixed-asset financing ($25,000 to $5,500,000) for real estate, building, or equipment purchases via SBA 504, with 10- or 20-year terms and below-market fixed interest rates; Mo-Kan provides gap financing (up to 40% of project), bank funds up to 50%, owner covers 10-20%. Available to small businesses in Missouri and Kansas.
• SBA 7(a) Loan Program Loan packaging and technical assistance for SBA 7(a) loans ($25,000 to $5,000,000); the bank of choice sets terms and rate while Mo-Kan provides guaranty application packaging and technical assistance to the business or entrepreneur.
• Mo-Kan Revolving Loan Fund (RLF) Locally operated gap financing for small businesses ($20,000 to $200,000) with terms up to 10 years and below-market fixed interest rates; uses include real estate, building purchase or construction, equipment, inventory, and working capital. Since inception has loaned out over $3 million and leveraged over $14.5 million from private sector lenders.
• USDA RBEG Microloan Fund USDA Rural Business Enterprise Grant-funded microloan fund ($2,500 to $30,000) for small and emerging private businesses in rural Missouri counties (Andrew, Buchanan, Clinton, DeKalb) with typically 4%-6% below-market rates and 1-5 year terms; uses include equipment, inventory, working capital, and refinance.
• Brownfield Cleanup RLF Loans and subgrants of up to $200,000 for cleanup remediation of brownfield sites, available to businesses, non-profits, and local governments with a 20% cost share; covers 15 counties across northeast Kansas and northwest Missouri.
• GIS Mapping and Data Services Mapping, community surveys, demographic profiles, project infographics, high-accuracy GNSS and drone data capture, large-format printing and scanning (up to 36" wide), and laminated maps up to 34"x44"; available to member communities at lower cost and to non-members on a service-fee basis.

Quantifiable outcome

• Since 1990, the RLF has loaned out over $3 million (six times the original investment) and leveraged over $14.5 million from private sector lenders and small business owners.
• +4 more outcomes

Named customers2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

23 partnerships are on record, tiered flagship, minor and core.

• Missouri Office of Homeland Security (OHS)flagshipStrategic or Co-development Partner · 1 February 2006Contracted with Mo-Kan since 2006 (per Executive Order 06-09 signed by Governor Matt Blunt in February 2006) to coordinate, administer, and provide fiscal operations for the Region H Homeland Security Oversight Committee (RHSOC). Mo-Kan is responsible for event coordination, administration, fiscal operations, professional development, community outreach, and publicity.
• Green Hills Regional Planning CommissionminorImplementation/ SI/ Consulting PartnerSubcontractor assisting Mo-Kan with Region H RHSOC event coordination, administration, fiscal operations, professional development, community outreach, and publicity.
• Northwest Regional Council of GovernmentsminorImplementation/ SI/ Consulting PartnerSubcontractor assisting Mo-Kan with Region H RHSOC event coordination, administration, fiscal operations, professional development, community outreach, and publicity.
• U.S. Small Business Administration (SBA)flagshipStrategic or Co-development PartnerPartnership with SBA began in 1982 to provide SBA 504 and SBA 7(a) loans; Mo-Kan is a Certified Development Company (CDC) for SBA 504 with $25,000 to $5,500,000 loan amounts, fixed asset financing, 10- or 20-year terms, and below-market fixed interest rates. SBA issues approval of the loan and funds 40% of project costs.
• Missouri Department of Transportation (MoDOT)flagshipStrategic or Co-development PartnerSince 1996, partnered with MoDOT to administer a Transportation Advisory Committee (TAC) covering Andrew, Buchanan, Clinton, and DeKalb counties; the TAC prioritizes transportation needs and shapes the Regional Transportation Plan (RTP) and Statewide Transportation Improvement Plan (STIP).
• St. Joseph Area Transportation Study OrganizationcoreStrategic or Co-development PartnerCollaborated to develop a Safety and Innovation Mobile Lab used by member communities as a transportation safety device.
• NW Missouri Enterprise Facilities (NWMEF)coreGTM or Marketing PartnerEnterprise facility serving counties of Atchison, Nodaway, Worth, Holt, Andrew, and Gentry; refers and supports small businesses across the regional ecosystem (P O Box 612, King City, MO 64463; 660-535-4315 or 816-262-5158; [email protected]).
• NE Kansas Enterprise Facilities (NEKEF)coreGTM or Marketing PartnerEnterprise facility serving counties of Atchison, Brown, Doniphan, Jackson, and Nemaha; supports small businesses and entrepreneurs in the regional ecosystem (P O Box 635, Wathena, KS 66090; 785-364-0583; [email protected]).
• Kansas City Source LinkcoreGTM or Marketing PartnerResource partner that 'links small businesses to the right resources at the right time' (www.kcsourcelink.com); cross-referenced on the Tools & Resources page.
• Center for Entrepreneurship (Missouri Western State University)coreImplementation/ SI/ Consulting PartnerTrains, mentors, and supports business owners and entrepreneurs in the St. Joseph area and beyond; housed at the Craig School of Business & Technology, MWSU Popplewell Hall, 203, St. Joseph, MO 64506; 816-271-4283; [email protected].
• St. Joseph Chamber of CommercecoreGTM or Marketing PartnerLocal chamber partner listed in the Economic Development Organizations section; cooperates on small-business outreach and referrals (saintjoseph.com).
• Cameron Chamber of CommercecoreGTM or Marketing PartnerLocal chamber partner in Clinton County listed in the Economic Development Organizations section (cameronmochamber.com).
• Savannah Chamber of CommerceminorGTM or Marketing PartnerLocal chamber partner in Andrew County listed in the Economic Development Organizations section.
• Atchison Chamber of CommercecoreGTM or Marketing PartnerLocal chamber partner in Atchison County, Kansas listed in the Economic Development Organizations section (www.atchisonkansas.net).
• MO SourceLinkcoreGTM or Marketing PartnerMissouri small-business resource partner listed under Community Resources; connects entrepreneurs to resources for starting and growing businesses (mosourcelink.com).
• Small Business Development Centers (SBDC)coreImplementation/ SI/ Consulting PartnerSBDC KC and Missouri SBDC listed as small-business support partners; provide training and consulting for start-ups and growing businesses.
• SCORE (Counselors to America's Small Business)coreImplementation/ SI/ Consulting PartnerNational small-business mentoring and counseling resource listed under 'Other' on Tools & Resources (score.org).
• CEDS Committee (Board members and regional stakeholders)flagshipStrategic or Co-development PartnerA CEDS Committee was established from Mo-Kan Board members and regional stakeholders, including representatives from business, industry, education, health, the public, and governmental bodies, to develop the 2024 Comprehensive Economic Development Strategy.
• City of Gower, MissouriminorImplementation/ SI/ Consulting PartnerAdopted Vision Zero Safety Action Plan in June 2024 with Mo-Kan facilitation; plan is hosted on Mo-Kan's website as a publicly available resource.
• FEMA / SEMA (State Emergency Management Administration)flagshipStrategic or Co-development PartnerHazard mitigation planning is authorized by the Robert T. Stafford Disaster Relief and Emergency Assistance Act; FEMA Local Mitigation Planning Handbook is referenced and SEMA's mitigation webpage is linked; plans must be updated every five years.
• University of Missouri ExtensionminorImplementation/ SI/ Consulting PartnerState extension service listed under Community Resources (extension.missouri.edu).
• Kansas Association of Certified Development Companies (KACDC)minorStrategic or Co-development PartnerListed under Kansas Community Resources; coordinates SBA 504 lending in Kansas (kansasbusinessloans.com/locations).
• NADO (National Association of Development Organizations)minorStrategic or Co-development PartnerNational membership organization for regional development organizations listed under Federal Community Resources (nado.org).

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Others

• National Association of Development Organizations (NADO): National membership association for regional development organizations that represents the RPC/EDD category — listed as a partner/resource; functions as the industry association peer providing training, advocacy, and best-practice sharing across the same target member organizations.
• Kansas Association of Certified Development Companies (KACDC): Kansas coordinating body for SBA 504 lending — comparable as a fellow SBA 504 ecosystem participant already listed in Mo-Kan's Tools & Resources partner directory; functions as a peer CDC network in Mo-Kan's secondary Kansas market.

Direct peers

• Green Hills Regional Planning Commission: Missouri RPC that subcontracts to Mo-Kan on Region H RHSOC operations — directly comparable rural planning commission with overlapping federal program administration and small-staff operating model.
• East-West Gateway Council of Governments: Metropolitan planning organization and RPC for the St. Louis region — directly comparable as a Missouri council of governments with overlapping regional planning, transportation, GIS, and hazard mitigation responsibilities under federal/state designations.
• Northwest Regional Council of Governments: Missouri council of governments subcontracting to Mo-Kan for Region H RHSOC — directly comparable regional planning body delivering overlapping transportation, GIS, and economic development services in a rural service area.
• Mid-America Regional Council: Designated Regional Planning Commission and Economic Development District serving the Kansas City metropolitan area — direct peer as another Missouri RPC/EDD with federal designations and multi-program economic/community development scope, though operating in a larger urban geography.

Regional players

• Bootheel Regional Planning Commission: Missouri RPC serving the southeast Bootheel region — comparable as a designated rural regional planning commission but operating in a distinct geographic territory with no overlap with Mo-Kan's northwest Missouri/northeast Kansas service area.
• Kaysinger Basin Regional Planning Commission: Missouri RPC serving west-central counties — comparable rural RPC with similar federal program administration scope but a separate service territory with no geographic overlap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mo-kan-regional-council

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mo-Kan Development