Best Phoenix, AZ SBA Lenders & Rates of 2026

Compare 69 SBA lenders in Phoenix, AZ. $181.8M funded across 300 businesses. Average rate 9.90%. Get matched free.

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Best Phoenix, AZ SBA Lenders & Rates of 2026

$181.8M
Total Funded

300
Loans Approved

$606K
Avg Loan Size

9.90%
Avg Interest Rate

69
Active Lenders

SBA Loans in Phoenix, AZ

Phoenix, AZ businesses received $181.8M in SBA 7(a) loan approvals across 300 businesses in 2025. With 69 active SBA lenders competing for business in Phoenix, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Phoenix is $606K, with rates averaging 9.90%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Phoenix SBA Loans by Business Type

🚀 Startups
27%
$35.5M • 81 loans

🏢 Existing Businesses
64%
$110.4M • 192 loans

🔄 Acquisitions
9%
$35.9M • 27 loans

Top SBA Lenders in Phoenix, AZ (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Phoenix businesses:

RankLenderVolumeLoansAvg Rate
1 Wells Fargo Bank National Association$13.2M1410.19%
2 Live Oak Banking Company$10.3M108.88%
3 U.S. Bank, National Association$9.8M239.25%
4 Zions Bank, A Division of$7.9M178.76%
5 MidFirst Bank$7.9M57.19%
6 Readycap Lending, LLC$6.8M1012.30%
7 Newtek Bank, National Association$6.8M1910.97%
8 Celtic Bank Corporation$6.0M1210.38%
9 Mountain America FCU$5.7M1010.70%
10 Northeast Bank$5.4M3210.52%
11 First Bank of the Lake$5.0M18.75%
12 Grow America Fund, Incorporated$5.0M19.50%
13 Fifth Third Bank$5.0M16.00%
14 Integro Bank$4.9M59.90%
15 Alerus Financial, National Association$4.9M38.50%
16 Midwest Regional Bank$4.7M510.15%
17 First Internet Bank of Indiana$4.1M110.25%
18 Coastal States Bank$4.1M19.00%
19 Cadence Bank$3.8M39.67%
20 America First FCU$3.8M27.25%
21 The Huntington National Bank$3.8M1310.10%
22 Bell Bank$3.5M89.03%
23 Port 51 Lending LLC$3.3M29.13%
24 JPMorgan Chase Bank, National Association$3.2M119.85%
25 UMB Bank, National Association$3.2M98.25%
26 Evolve Bank and Trust$2.6M69.96%
27 The Bancorp Bank National Association$2.4M28.63%
28 Banc of California$2.4M17.50%
29 Busey Bank$2.3M29.75%
30 Truliant FCU$2.2M210.13%
31 United Midwest Savings Bank National Association$2.0M410.25%
32 Western Alliance Bank$1.9M27.58%
33 Capital One, National Association$1.8M36.66%
34 Enterprise Bank & Trust$1.8M16.75%
35 BNC National Bank$1.7M37.80%
36 BOKF, National Association$1.5M38.75%
37 Gulf Coast Bank and Trust Company$1.4M110.00%
38 Lendistry SBLC, LLC$1.4M512.20%
39 GBank$1.2M110.00%
40 North State Bank$1.1M39.17%
41 FWBank$1.1M29.13%
42 Arizona Capital Source$1.0M410.13%
43 Bank of America, National Association$901K28.65%
44 Stone Bank$780K110.00%
45 VelocitySBA, LLC$730K110.25%
46 First Business Bank$714K110.25%
47 BMO Bank National Association$689K18.23%
48 Wilmington Savings Fund Society FSB$670K19.75%
49 Milestone Bank$647K110.50%
50 BayFirst National Bank$525K412.25%

Top Industries in Phoenix

Here are the industries that received the most SBA funding in Phoenix:

SBA Loans in Arizona

Phoenix is part of Arizona‘s SBA lending market. For statewide data and more lender options, see our full Arizona SBA Lenders guide.

🤝 Why Use an SBA Broker in Phoenix?

GoSBA Loans helps Phoenix businesses access the best SBA lenders:

  • Access 69+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Phoenix
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Phoenix SBA Loan

Our team has helped hundreds of Phoenix businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in Phoenix? GoSBA Loans is a trusted SBA loan broker serving businesses in Phoenix and across Arizona. Contact our Phoenix SBA specialists today for a free consultation.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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