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GoSBA’s 100 Top SBA Lenders Of 2026

Discover the best SBA lenders for your business in 2026! Our review of over 68,000 SBA 7(a) loans, amounting to $33.8 billion, highlights top lenders suited for your specific needs—whether you're looking for startup funds, a business purchase, working capital, or real estate. Access clear insights, competitive interest rates, and a thorough list of the leading lenders in the field. Don’t miss the chance to find ideal financing options—continue reading to see our rankings and expert advice!

100 Best SBA Lenders of 2026 | GoSBA.com

100 Best SBA Lenders of 2026

Comprehensive Rankings Based on SBA FOIA Data

Welcome to the definitive ranking of America’s top SBA lenders for 2026. Our comprehensive analysis is based on official SBA FOIA data from Calendar Year 2025, providing you with the most accurate and up-to-date information to find the perfect lending partner for your business needs.

Overall Top 100 SBA Lenders

Rank	Lender Name	Avg Rate	# Loans	Total Volume
1	Northeast Bank	10.93%	6,307	$1.1B
2	The Huntington National Bank	9.63%	6,071	$1.9B
3	Newtek Bank, National Association	10.91%	4,056	$1.5B
4	U.S. Bank, National Association	9.97%	3,138	$853M
5	TD Bank, National Association	10.43%	2,935	$423M
6	Manufacturers and Traders Trust Company	11.38%	2,782	$302M
7	Readycap Lending, LLC	11.94%	2,430	$901M
8	Live Oak Banking Company	9.20%	2,148	$2.7B
9	JPMorgan Chase Bank, National Association	10.87%	1,471	$465M
10	Celtic Bank Corporation	10.45%	1,440	$552M
11	BayFirst National Bank	12.07%	1,372	$228M
12	Wells Fargo Bank National Association	10.90%	1,335	$479M
13	Lendistry SBLC, LLC	12.11%	1,334	$284M
14	Zions Bank, A Division of	10.18%	1,168	$229M
15	United Midwest Savings Bank National Association	10.09%	919	$359M
16	Bank of America, National Association	7.60%	753	$453M
17	Columbia Bank	12.12%	666	$75M
18	KeyBank National Association	10.33%	661	$215M
19	Cadence Bank	10.08%	640	$348M
20	First Bank of the Lake	10.70%	575	$393M
21	CenTrust Bank, A Division of SmartBiz Bank National Associat	11.49%	541	$107M
22	First Internet Bank of Indiana	9.96%	474	$675M
23	Harvest Small Business Finance, LLC	9.98%	462	$463M
24	Byline Bank	10.15%	461	$501M
25	Bank of Hope	9.17%	391	$332M
26	Eastern Bank	9.65%	359	$61M
27	Banco Popular de Puerto Rico	11.16%	344	$45M
28	CDC Small Business Finance Corp.	10.43%	297	$50M
29	PNC Bank, National Association	9.65%	289	$84M
30	Fifth Third Bank	9.67%	281	$220M
31	Citizens Bank	9.95%	270	$211M
32	Stone Bank	10.25%	260	$90M
33	Banner Bank	8.96%	238	$66M
34	Mountain America FCU	10.48%	224	$67M
35	Brookline Bank, a Division of Beacon Bank and Trust	9.48%	223	$278M
36	Grasshopper Bank National Association	11.04%	219	$114M
37	Port 51 Lending LLC	9.72%	217	$359M
38	Hanmi Bank	8.98%	215	$190M
39	Colony Bank	10.49%	215	$99M
40	Old National Bank	8.16%	206	$199M
41	First Commonwealth Bank	9.59%	195	$114M
42	GBank	8.74%	178	$488M
43	First Financial Bank	8.61%	177	$200M
44	Webster Bank National Association	9.21%	175	$66M
45	Northwest Bank	9.54%	174	$172M
46	US Metro Bank	8.78%	172	$352M
47	Enterprise Bank & Trust	8.00%	167	$274M
48	AMPAC Tri-State CDC, Inc.	12.71%	166	$21M
49	Bank Five Nine	9.37%	166	$111M
50	VelocitySBA, LLC	10.13%	165	$159M
51	East West Bank	9.06%	163	$116M
52	Regions Bank	9.06%	160	$131M
53	Truliant FCU	10.16%	160	$202M
54	First National Bank of Pennsylvania	9.28%	160	$153M
55	Pinnacle Bank	9.24%	159	$197M
56	Wilmington Savings Fund Society FSB	9.65%	155	$118M
57	Magnifi Financial CU	10.15%	149	$39M
58	United Community Bank	9.16%	148	$143M
59	Heritage Bank Inc	10.68%	148	$111M
60	Dogwood State Bank	9.91%	146	$141M
61	Stearns Bank National Association	10.21%	144	$59M
62	Gulf Coast Bank and Trust Company	10.30%	142	$141M
63	Rockland Trust Company	7.97%	134	$45M
64	SouthState Bank, National Association	9.53%	131	$85M
65	Comerica Bank	8.72%	131	$86M
66	Climate First Bank	9.90%	127	$144M
67	Pathward National Association	9.72%	124	$268M
68	Meridian Bank	9.67%	121	$122M
69	PCB Bank	8.99%	118	$134M
70	First Savings Bank	9.74%	116	$146M
71	Shoreham Bank	10.56%	112	$116M
72	Midwest Regional Bank	10.15%	111	$109M
73	First-Citizens Bank & Trust Company	9.72%	111	$111M
74	The Bancorp Bank National Association	8.65%	111	$131M
75	OakStar Bank	9.78%	110	$80M
76	Hancock Whitney Bank	9.74%	109	$86M
77	Open Bank	8.89%	108	$192M
78	Community Bank & Trust-West Georgia	10.06%	107	$180M
79	Centerstone SBA Lending, Inc.	9.38%	106	$152M
80	First Community Bank	7.34%	105	$43M
81	PlainsCapital Bank	10.12%	105	$36M
82	Peoples Bank	9.06%	105	$100M
83	Metro City Bank	8.60%	102	$187M
84	Fulton Bank, National Association	9.75%	102	$71M
85	Idaho Central CU	9.94%	100	$53M
86	Commonwealth Business Bank	8.98%	98	$122M
87	City National Bank	7.27%	93	$115M
88	Oriental Bank	8.58%	92	$19M
89	BancFirst	8.43%	91	$35M
90	ESL FCU	8.55%	91	$11M
91	First Bank	10.12%	90	$88M
92	City National Bank of Florida	10.21%	89	$64M
93	Hanover Community Bank	10.03%	88	$84M
94	WaFd Bank	11.51%	86	$4M
95	Citizens Bank, National Association	9.88%	86	$57M
96	Wallis Bank	9.21%	85	$86M
97	T Bank, National Association	9.46%	85	$148M
98	FinWise Bank	10.08%	84	$91M
99	UMB Bank, National Association	7.66%	84	$50M
100	Merchants Bank of Indiana	9.40%	81	$114M

Top 100 SBA Lenders for Real Estate

Rank	Lender Name	Avg Rate	# Loans	Total Volume
1	Live Oak Banking Company	8.04%	666	$1.6B
2	The Huntington National Bank	8.26%	504	$607M
3	Harvest Small Business Finance, LLC	9.98%	446	$449M
4	U.S. Bank, National Association	7.43%	354	$415M
5	Wells Fargo Bank National Association	7.14%	299	$332M
6	Newtek Bank, National Association	10.32%	274	$242M
7	Bank of America, National Association	6.43%	236	$172M
8	Citizens Bank	9.92%	178	$160M
9	First Bank of the Lake	9.65%	178	$202M
10	Readycap Lending, LLC	9.58%	168	$295M
11	Celtic Bank Corporation	9.73%	167	$286M
12	Enterprise Bank & Trust	8.00%	158	$267M
13	US Metro Bank	8.65%	146	$337M
14	GBank	8.52%	137	$452M
15	Port 51 Lending LLC	9.48%	137	$247M
16	Byline Bank	10.03%	133	$182M
17	JPMorgan Chase Bank, National Association	7.41%	111	$102M
18	Fifth Third Bank	7.57%	94	$176M
19	Bank of Hope	8.44%	93	$209M
20	Cadence Bank	9.68%	92	$119M
21	Hanmi Bank	8.78%	90	$115M
22	Pinnacle Bank	9.15%	90	$121M
23	TD Bank, National Association	8.22%	83	$93M
24	First Financial Bank	8.26%	80	$109M
25	Open Bank	8.64%	76	$172M
26	VelocitySBA, LLC	9.98%	75	$80M
27	Metro City Bank	8.43%	70	$151M
28	Brookline Bank, a Division of Beacon Bank and Trust	9.49%	69	$155M
29	First Savings Bank	9.79%	69	$112M
30	United Community Bank	9.18%	69	$85M
31	Gulf Coast Bank and Trust Company	9.86%	66	$78M
32	Climate First Bank	9.81%	66	$86M
33	Centerstone SBA Lending, Inc.	9.08%	63	$107M
34	Old National Bank	7.73%	61	$99M
35	Dogwood State Bank	9.88%	58	$73M
36	Manufacturers and Traders Trust Company	9.28%	58	$36M
37	KeyBank National Association	9.43%	58	$41M
38	Hancock Whitney Bank	9.68%	57	$46M
39	Bank Five Nine	9.04%	57	$71M
40	America First FCU	7.50%	56	$75M
41	Zions Bank, A Division of	7.23%	55	$50M
42	First Internet Bank of Indiana	9.77%	54	$103M
43	Wilmington Savings Fund Society FSB	9.66%	53	$54M
44	East West Bank	7.93%	50	$71M
45	Southwestern National Bank	8.68%	49	$91M
46	Commonwealth Business Bank	8.72%	49	$86M
47	Magnifi Financial CU	10.10%	48	$18M
48	PCB Bank	8.41%	44	$96M
49	Banco Popular de Puerto Rico	10.18%	44	$17M
50	City National Bank	6.45%	43	$64M
51	United Midwest Savings Bank National Association	9.50%	43	$58M
52	Mountain America FCU	7.41%	43	$34M
53	FWBank	9.59%	43	$44M
54	Mission Valley Bank	9.09%	42	$96M
55	Shoreham Bank	9.07%	42	$106M
56	OakStar Bank	9.55%	41	$43M
57	First-Citizens Bank & Trust Company	9.31%	40	$59M
58	Community Bank & Trust-West Georgia	9.91%	40	$71M
59	ConnectOne Bank	9.76%	40	$39M
60	First Commonwealth Bank	9.33%	39	$35M
61	Wallis Bank	9.12%	39	$57M
62	Banc of California	7.36%	39	$67M
63	SouthState Bank, National Association	9.04%	38	$34M
64	Oriental Bank	7.97%	38	$13M
65	Fulton Bank, National Association	9.68%	37	$32M
66	Merchants Bank of Indiana	9.28%	36	$74M
67	Renasant Bank	9.57%	36	$52M
68	Stearns Bank National Association	9.62%	36	$34M
69	First National Bank of Pennsylvania	8.95%	36	$47M
70	HomeTrust Bank	9.53%	35	$45M
71	Peoples Bank	8.64%	34	$71M
72	PNC Bank, National Association	7.41%	32	$19M
73	First Business Bank	9.72%	32	$49M
74	Platinum Bank	9.87%	31	$23M
75	United FCU	9.48%	31	$55M
76	Hanover Community Bank	9.53%	31	$56M
77	Milestone Bank	9.90%	31	$65M
78	T Bank, National Association	9.21%	30	$48M
79	Midwest Regional Bank	10.16%	30	$44M
80	Regions Bank	7.80%	29	$39M
81	Meridian Bank	9.37%	29	$49M
82	CalPrivate Bank	9.85%	29	$35M
83	The Bancorp Bank National Association	8.40%	28	$53M
84	Stone Bank	8.90%	26	$54M
85	The Citizens National Bank of Meridian	9.82%	26	$8M
86	PromiseOne Bank	8.42%	26	$45M
87	Atlantic Union Bank	9.69%	26	$30M
88	First Community Bank	6.88%	25	$22M
89	Northwest Bank	9.56%	25	$57M
90	UMB Bank, National Association	7.23%	25	$27M
91	Texas Capital Bank	6.83%	25	$47M
92	Busey Bank	9.45%	24	$25M
93	First Bank	9.73%	24	$29M
94	Colony Bank	9.91%	24	$41M
95	First Service Bank	9.21%	24	$29M
96	b1BANK	9.61%	24	$28M
97	Evolve Bank and Trust	9.71%	24	$34M
98	Plumas Bank	7.93%	23	$36M
99	BMO Bank National Association	5.83%	23	$33M
100	MidFirst Bank	7.22%	23	$38M

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Top 100 SBA Lenders for Working Capital

Rank	Lender Name	Avg Rate	# Loans	Total Volume
1	TD Bank, National Association	10.58%	2,773	$218M
2	The Huntington National Bank	9.94%	2,577	$201M
3	U.S. Bank, National Association	10.61%	2,405	$119M
4	Manufacturers and Traders Trust Company	11.70%	2,345	$152M
5	JPMorgan Chase Bank, National Association	11.34%	1,293	$279M
6	Wells Fargo Bank National Association	12.76%	858	$18M
7	Newtek Bank, National Association	13.45%	646	$55M
8	Columbia Bank	12.32%	618	$30M
9	KeyBank National Association	10.76%	422	$38M
10	Zions Bank, A Division of	11.88%	415	$25M
11	Bank of America, National Association	8.49%	412	$118M
12	Banco Popular de Puerto Rico	11.24%	328	$31M
13	Eastern Bank	9.95%	302	$26M
14	Live Oak Banking Company	9.46%	290	$74M
15	Banner Bank	8.85%	195	$22M
16	PNC Bank, National Association	10.90%	185	$20M
17	Fifth Third Bank	11.15%	163	$18M
18	Webster Bank National Association	9.36%	155	$38M
19	First Internet Bank of Indiana	9.92%	145	$31M
20	Mountain America FCU	12.78%	124	$6M
21	Bank of Hope	9.75%	117	$21M
22	Comerica Bank	9.24%	90	$20M
23	WaFd Bank	11.57%	84	$3M
24	PlainsCapital Bank	10.77%	80	$8M
25	Old National Bank	8.61%	75	$16M
26	Brookline Bank, a Division of Beacon Bank and Trust	9.44%	73	$14M
27	BankNewport	11.80%	70	$4M
28	ESL FCU	8.98%	67	$6M
29	Five Star Bank	9.19%	66	$5M
30	Northwest Bank	9.67%	65	$9M
31	Sound Credit Union	11.54%	61	$3M
32	Byline Bank	10.00%	59	$10M
33	Rockland Trust Company	9.06%	58	$10M
34	Central Pacific Bank	11.01%	53	$2M
35	First Merchants Bank	11.20%	52	$4M
36	First Community Bank	7.71%	45	$6M
37	First-Citizens Bank & Trust Company	10.22%	44	$14M
38	Santander Bank, National Association	12.14%	44	$3M
39	Community Trust Bank, Inc.	8.13%	42	$6M
40	BancFirst	8.57%	42	$4M
41	Salem Five Cents Savings Bank	9.39%	42	$7M
42	Regions Bank	11.42%	41	$7M
43	Citizens Bank, National Association	10.22%	41	$13M
44	First National Bank of Pennsylvania	10.17%	40	$5M
45	Citibank, N.A.	9.72%	40	$2M
46	Bristol County Savings Bank	8.98%	39	$3M
47	First Interstate Bank	9.71%	37	$3M
48	Central Bank	9.38%	34	$8M
49	1st Source Bank	9.19%	34	$4M
50	United Community Bank	9.05%	33	$5M
51	Meredith Village Savings Bank	10.60%	33	$2M
52	First Commonwealth Bank	9.05%	32	$5M
53	Horizon Bank	8.25%	31	$6M
54	First Bank	10.70%	30	$5M
55	Oriental Bank	9.78%	30	$3M
56	Glacier Bank	8.92%	30	$3M
57	Wilmington Savings Fund Society FSB	9.59%	29	$4M
58	Idaho Central CU	10.58%	29	$5M
59	Meridian Bank	9.96%	28	$4M
60	Washington Trust Bank	8.72%	28	$6M
61	East West Bank	10.32%	27	$2M
62	BankVista	9.35%	27	$3M
63	First Financial Bank	8.61%	25	$4M
64	UMB Bank, National Association	8.23%	24	$2M
65	Community Bank, National Association	8.91%	24	$3M
66	Liberty Bank	11.25%	23	$2M
67	Republic Bank & Trust Company	8.45%	23	$3M
68	Bell Bank	9.20%	22	$5M
69	Falcon National Bank	9.25%	22	$5M
70	Dogwood State Bank	9.92%	22	$3M
71	BayCoast Bank	8.37%	22	$3M
72	Pathward National Association	9.75%	21	$7M
73	Maine Community Bank	7.76%	21	$2M
74	Peoples Bank	9.15%	21	$4M
75	Gulf Coast Bank and Trust Company	12.29%	21	$3M
76	Union Bank and Trust Company	8.21%	20	$2M
77	Stock Yards Bank & Trust Company	7.91%	20	$2M
78	Commerce Bank	9.52%	19	$1M
79	D. L. Evans Bank	9.08%	19	$2M
80	Heritage Bank	8.89%	19	$3M
81	Bangor Savings Bank	8.79%	19	$3M
82	Stearns Bank National Association	10.86%	18	$2M
83	Frost Bank	9.60%	18	$3M
84	Capital One, National Association	9.64%	18	$6M
85	Centier Bank	9.75%	18	$2M
86	Independent Bank	8.90%	18	$3M
87	Univest Bank and Trust Co	9.31%	18	$2M
88	Merrimack County Savings Bank	9.03%	18	$1M
89	FirstBank Puerto Rico	12.14%	17	$1M
90	Atlantic Union Bank	9.69%	17	$4M
91	Consumers National Bank	8.05%	17	$3M
92	First Bank of the Lake	10.16%	17	$4M
93	Community National Bank	8.86%	17	$2M
94	WesBanco Bank, Inc.	9.91%	17	$3M
95	Genesee Regional Bank	8.19%	17	$3M
96	Pinnacle Bank	9.25%	16	$4M
97	PS Bank	8.17%	16	$2M
98	Tompkins Community Bank	8.67%	16	$3M
99	Associated Bank, National Association	10.04%	16	$2M
100	STAR Financial Bank	8.33%	16	$2M

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Top 100 SBA Lenders for Business Acquisitions

Rank	Lender Name	Avg Rate	# Loans	Total Volume
1	The Huntington National Bank	9.17%	761	$591M
2	Live Oak Banking Company	9.07%	679	$896M
3	First Internet Bank of Indiana	9.95%	264	$372M
4	Byline Bank	10.09%	170	$211M
5	Hanmi Bank	9.17%	122	$108M
6	GBank	8.71%	99	$286M
7	Truliant FCU	10.16%	93	$125M
8	Manufacturers and Traders Trust Company	9.60%	92	$46M
9	United Midwest Savings Bank National Association	9.87%	90	$85M
10	Brookline Bank, a Division of Beacon Bank and Trust	9.57%	90	$173M
11	Celtic Bank Corporation	9.77%	82	$115M
12	Readycap Lending, LLC	9.47%	78	$170M
13	Zions Bank, A Division of	8.67%	73	$47M
14	Old National Bank	8.19%	73	$87M
15	PCB Bank	8.96%	67	$87M
16	U.S. Bank, National Association	8.30%	65	$58M
17	First Financial Bank	8.56%	64	$87M
18	Dogwood State Bank	9.92%	59	$63M
19	Cadence Bank	9.78%	59	$82M
20	Pathward National Association	9.71%	58	$135M
21	VelocitySBA, LLC	10.18%	57	$54M
22	Port 51 Lending LLC	10.18%	57	$97M
23	BayFirst National Bank	10.17%	54	$32M
24	US Metro Bank	8.66%	53	$109M
25	Newtek Bank, National Association	10.36%	52	$39M
26	Midwest Regional Bank	10.13%	51	$55M
27	Centerstone SBA Lending, Inc.	9.27%	50	$84M
28	Open Bank	8.96%	49	$95M
29	T Bank, National Association	9.54%	47	$90M
30	Metro City Bank	8.53%	44	$90M
31	Northwest Bank	9.45%	42	$54M
32	The Bancorp Bank National Association	8.58%	40	$48M
33	East West Bank	9.11%	38	$24M
34	United Community Bank	9.21%	38	$44M
35	Citizens Bank	9.81%	37	$38M
36	Wilmington Savings Fund Society FSB	9.45%	34	$36M
37	First National Bank of Pennsylvania	9.63%	34	$29M
38	Bank of America, National Association	6.64%	33	$35M
39	Rockland Trust Company	7.55%	33	$21M
40	Merchants Bank of Indiana	9.40%	31	$51M
41	Milestone Bank	9.97%	30	$42M
42	United FCU	9.79%	30	$31M
43	American Momentum Bank	9.44%	29	$38M
44	Banner Bank	9.33%	29	$21M
45	First Savings Bank	9.79%	28	$36M
46	Southwestern National Bank	8.72%	28	$58M
47	First Commonwealth Bank	9.58%	28	$20M
48	Fulton Bank, National Association	9.58%	27	$24M
49	BankVista	9.45%	27	$11M
50	First Bank of the Lake	9.77%	26	$30M
51	SouthState Bank, National Association	9.78%	26	$19M
52	Hancock Whitney Bank	9.78%	25	$22M
53	Meridian Bank	9.64%	24	$29M
54	Commonwealth Business Bank	9.22%	24	$27M
55	The Fidelity Bank	9.76%	24	$26M
56	Gulf Coast Bank and Trust Company	9.99%	24	$39M
57	Pinnacle Bank	9.38%	24	$39M
58	Plumas Bank	8.21%	23	$19M
59	Bank of Hope	8.74%	23	$44M
60	American National Bank	8.39%	22	$31M
61	Evolve Bank and Trust	9.84%	22	$30M
62	Community Bank & Trust-West Georgia	9.97%	22	$34M
63	FFB Bank	9.99%	21	$18M
64	Horizon Bank	8.06%	21	$15M
65	First Bank	9.96%	21	$32M
66	American Continental Bank	9.15%	21	$14M
67	Climate First Bank	9.89%	21	$34M
68	OakStar Bank	9.52%	21	$20M
69	Colony Bank	10.05%	21	$37M
70	First-Citizens Bank & Trust Company	9.23%	21	$42M
71	Shoreham Bank	8.90%	21	$66M
72	Global One Bank	8.90%	20	$45M
73	Bankwell Bank	9.85%	20	$42M
74	Falcon National Bank	9.04%	20	$16M
75	Fifth Third Bank	8.09%	19	$23M
76	Mission Valley Bank	9.29%	18	$33M
77	Gesa CU	9.28%	17	$11M
78	Glacier Bank	8.18%	17	$8M
79	Comerica Bank	7.41%	17	$32M
80	Stock Yards Bank & Trust Company	7.43%	17	$12M
81	Bank Five Nine	9.08%	17	$23M
82	First Bank of Central Ohio	9.82%	17	$29M
83	PromiseOne Bank	8.84%	16	$20M
84	Union Bank and Trust Company	8.00%	16	$8M
85	Mountain Pacific Bank	8.75%	16	$36M
86	Mechanics and Farmers Bank	10.45%	16	$6M
87	Capital Community Bank	9.83%	15	$17M
88	Seacoast National Bank	8.90%	15	$17M
89	Customers Bank	8.85%	15	$12M
90	Busey Bank	9.33%	15	$17M
91	First Horizon Bank	8.98%	15	$25M
92	KeyBank National Association	9.53%	15	$11M
93	Harvest Small Business Finance, LLC	9.80%	15	$26M
94	Banesco USA	10.10%	15	$14M
95	Webster Bank National Association	8.37%	15	$13M
96	Heritage Bank	8.77%	14	$14M
97	First Business Bank	9.68%	14	$18M
98	UMB Bank, National Association	7.16%	14	$14M
99	Peapack Private Bank and Trust	9.30%	14	$19M
100	Bank of Oak Ridge	9.54%	14	$14M

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Top 100 SBA Lenders for Startups

Rank	Lender Name	Avg Rate	# Loans	Total Volume
1	The Huntington National Bank	9.76%	2,917	$775M
2	Manufacturers and Traders Trust Company	11.29%	1,137	$125M
3	Wells Fargo Bank National Association	11.61%	1,110	$241M
4	U.S. Bank, National Association	10.15%	939	$181M
5	TD Bank, National Association	10.31%	754	$116M
6	United Midwest Savings Bank National Association	10.15%	725	$188M
7	Northeast Bank	11.04%	718	$82M
8	Live Oak Banking Company	9.06%	630	$915M
9	Newtek Bank, National Association	10.86%	616	$203M
10	KeyBank National Association	10.45%	424	$122M
11	Zions Bank, A Division of	10.60%	382	$60M
12	First Bank of the Lake	9.82%	355	$250M
13	Readycap Lending, LLC	10.12%	248	$189M
14	Celtic Bank Corporation	10.17%	204	$204M
15	Bank of America, National Association	6.62%	202	$135M
16	Citizens Bank	10.01%	194	$135M
17	CDC Small Business Finance Corp.	10.48%	185	$31M
18	Bank of Hope	8.75%	161	$200M
19	Byline Bank	10.13%	159	$169M
20	First Internet Bank of Indiana	9.93%	147	$206M
21	Bank Five Nine	9.49%	126	$74M
22	Magnifi Financial CU	10.14%	125	$33M
23	Harvest Small Business Finance, LLC	9.99%	115	$104M
24	Banco Popular de Puerto Rico	11.12%	105	$11M
25	First Commonwealth Bank	9.88%	104	$54M
26	PNC Bank, National Association	9.46%	95	$28M
27	Fifth Third Bank	8.32%	91	$116M
28	Wilmington Savings Fund Society FSB	9.68%	88	$54M
29	Mountain America FCU	10.49%	88	$24M
30	First National Bank of Pennsylvania	9.15%	88	$83M
31	JPMorgan Chase Bank, National Association	10.17%	83	$39M
32	United Community Bank	9.16%	83	$73M
33	Northwest Bank	9.62%	82	$62M
34	Pinnacle Bank	9.21%	80	$96M
35	Climate First Bank	9.97%	79	$71M
36	Gulf Coast Bank and Trust Company	10.16%	76	$69M
37	Cadence Bank	9.82%	76	$69M
38	Columbia Bank	11.73%	75	$15M
39	First Financial Bank	8.74%	74	$69M
40	Old National Bank	8.27%	69	$52M
41	Dogwood State Bank	9.91%	67	$64M
42	First Community Bank	7.30%	64	$24M
43	Meridian Bank	9.74%	61	$51M
44	Peoples Bank	9.12%	60	$73M
45	PlainsCapital Bank	10.05%	59	$24M
46	Idaho Central CU	10.01%	57	$29M
47	Hancock Whitney Bank	9.74%	54	$35M
48	GBank	8.75%	54	$148M
49	Rockland Trust Company	7.92%	53	$10M
50	US Metro Bank	8.86%	52	$112M
51	OakStar Bank	9.88%	51	$33M
52	Central Pacific Bank	10.81%	50	$2M
53	Brookline Bank, a Division of Beacon Bank and Trust	9.42%	50	$55M
54	Stearns Bank National Association	9.94%	49	$27M
55	Frost Bank	9.34%	49	$29M
56	Hanover Community Bank	10.12%	49	$37M
57	Port 51 Lending LLC	9.65%	48	$60M
58	Enterprise Bank & Trust	8.27%	47	$87M
59	First Savings Bank	9.55%	47	$58M
60	VelocitySBA, LLC	10.15%	47	$46M
61	Wallis Bank	9.22%	46	$46M
62	Eastern Bank	9.66%	46	$11M
63	FWBank	9.66%	46	$48M
64	1st Source Bank	9.50%	45	$14M
65	Fulton Bank, National Association	9.75%	44	$27M
66	Oriental Bank	8.86%	44	$7M
67	Platinum Bank	9.92%	43	$21M
68	Woori America Bank	9.10%	43	$25M
69	Atlantic Union Bank	9.74%	42	$28M
70	Community Bank & Trust-West Georgia	10.04%	42	$73M
71	HomeTrust Bank	9.76%	40	$43M
72	Leader Bank, National Association	9.97%	40	$30M
73	SouthState Bank, National Association	9.51%	39	$26M
74	Sound Credit Union	11.46%	39	$4M
75	The Bancorp Bank National Association	8.87%	39	$45M
76	Banner Bank	8.76%	39	$8M
77	BayFirst National Bank	11.04%	38	$16M
78	ConnectOne Bank	9.82%	38	$24M
79	Metro City Bank	8.69%	35	$55M
80	Pathward National Association	9.68%	35	$73M
81	ESL FCU	8.38%	35	$4M
82	BancFirst	8.86%	35	$7M
83	Glacier Bank	8.53%	34	$13M
84	b1BANK	9.83%	34	$28M
85	Hanmi Bank	8.80%	33	$29M
86	Arvest Bank	8.62%	33	$9M
87	Regions Bank	8.55%	33	$29M
88	Univest Bank and Trust Co	10.02%	33	$23M
89	Colorado Enterprise Fund	9.55%	32	$5M
90	Heritage Bank Inc	10.13%	32	$39M
91	Central Bank	9.54%	31	$10M
92	America First FCU	7.77%	31	$38M
93	The Citizens National Bank of Meridian	9.94%	30	$7M
94	Texas Capital Bank	6.93%	30	$48M
95	Capital One, National Association	6.99%	29	$31M
96	PeopleFund	10.09%	28	$5M
97	MidWestOne Bank	9.54%	27	$16M
98	Midwest Regional Bank	10.12%	26	$19M
99	Renasant Bank	9.66%	26	$31M
100	Milestone Bank	9.96%	26	$44M

Top 100 SBA Lenders for Franchise Loans

Rank	Lender Name	Avg Rate	# Loans	Total Volume
1	The Huntington National Bank	9.88%	1,397	$382M
2	United Midwest Savings Bank National Association	10.17%	536	$107M
3	Live Oak Banking Company	9.25%	420	$447M
4	First Bank of the Lake	9.92%	306	$188M
5	Citizens Bank	9.99%	149	$95M
6	Manufacturers and Traders Trust Company	10.29%	130	$23M
7	GBank	8.51%	125	$429M
8	Readycap Lending, LLC	10.49%	122	$69M
9	Byline Bank	10.07%	101	$98M
10	Newtek Bank, National Association	10.49%	96	$36M
11	Magnifi Financial CU	10.12%	96	$25M
12	Celtic Bank Corporation	9.97%	93	$117M
13	Bank Five Nine	9.53%	87	$46M
14	U.S. Bank, National Association	8.66%	82	$57M
15	Wells Fargo Bank National Association	7.92%	79	$70M
16	United Community Bank	9.19%	77	$65M
17	Bank of America, National Association	6.97%	76	$50M
18	US Metro Bank	8.59%	67	$194M
19	BayFirst National Bank	11.57%	65	$19M
20	Cadence Bank	9.78%	64	$62M
21	Zions Bank, A Division of	9.94%	59	$13M
22	TD Bank, National Association	8.77%	57	$32M
23	First Commonwealth Bank	9.97%	53	$24M
24	Climate First Bank	9.93%	53	$51M
25	CDC Small Business Finance Corp.	10.46%	52	$9M
26	Platinum Bank	9.98%	41	$19M
27	KeyBank National Association	9.69%	37	$22M
28	ConnectOne Bank	9.87%	37	$21M
29	First National Bank of Pennsylvania	8.91%	36	$34M
30	Port 51 Lending LLC	9.51%	35	$80M
31	Dogwood State Bank	9.86%	33	$35M
32	Bank of Hope	8.64%	33	$77M
33	Open Bank	8.70%	33	$91M
34	VelocitySBA, LLC	10.22%	32	$22M
35	The Bancorp Bank National Association	8.69%	32	$40M
36	Enterprise Bank & Trust	8.24%	31	$72M
37	Wilmington Savings Fund Society FSB	9.43%	30	$24M
38	FWBank	9.55%	30	$25M
39	Merchants Bank of Indiana	9.34%	29	$48M
40	Lendistry SBLC, LLC	11.86%	28	$7M
41	Hancock Whitney Bank	9.77%	28	$21M
42	HomeTrust Bank	9.65%	28	$28M
43	Centerstone SBA Lending, Inc.	9.07%	28	$52M
44	First Savings Bank	9.82%	27	$35M
45	Gulf Coast Bank and Trust Company	9.86%	26	$24M
46	Hanover Community Bank	9.97%	26	$20M
47	Metro City Bank	8.49%	24	$40M
48	Stearns Bank National Association	9.82%	24	$7M
49	PNC Bank, National Association	8.10%	24	$13M
50	Milestone Bank	10.00%	23	$35M
51	Northwest Bank	9.40%	23	$13M
52	SouthState Bank, National Association	9.93%	23	$11M
53	Brookline Bank, a Division of Beacon Bank and Trust	9.22%	22	$31M
54	Old National Bank	8.05%	22	$24M
55	Pinnacle Bank	9.26%	22	$19M
56	First Internet Bank of Indiana	9.88%	21	$23M
57	Capital One, National Association	6.81%	21	$25M
58	Mission Valley Bank	9.70%	20	$32M
59	Harvest Small Business Finance, LLC	9.71%	20	$33M
60	Village Bank and Trust, National Association	8.08%	19	$10M
61	Southwestern National Bank	8.74%	19	$40M
62	Community Bank & Trust-West Georgia	10.17%	19	$32M
63	Truliant FCU	10.13%	19	$23M
64	First Business Bank	10.01%	19	$30M
65	Peoples Bank	8.82%	18	$33M
66	Atlantic Union Bank	9.56%	18	$19M
67	Quaint Oak Bank	10.01%	18	$10M
68	Shoreham Bank	8.86%	18	$52M
69	CenTrust Bank, A Division of SmartBiz Bank National Associat	11.65%	17	$5M
70	JPMorgan Chase Bank, National Association	9.40%	17	$11M
71	American National Bank	8.72%	17	$12M
72	Commonwealth Business Bank	8.78%	17	$32M
73	United FCU	9.41%	17	$38M
74	Northeast Bank	10.34%	17	$8M
75	Regions Bank	7.67%	16	$15M
76	Colony Bank	10.30%	16	$8M
77	PCB Bank	8.55%	15	$48M
78	First Financial Bank	9.02%	15	$16M
79	East West Bank	8.85%	15	$17M
80	Midwest Regional Bank	10.02%	15	$9M
81	Fifth Third Bank	8.81%	14	$15M
82	Union Bank and Trust Company	7.97%	14	$6M
83	Bank of Oak Ridge	9.55%	13	$17M
84	Texas Capital Bank	6.84%	13	$20M
85	Heritage Bank Inc	10.17%	13	$9M
86	Mountain America FCU	9.24%	13	$4M
87	Bank of Clarke	9.65%	13	$10M
88	Rockland Trust Company	7.58%	13	$6M
89	First Bank	9.75%	13	$12M
90	Fulton Bank, National Association	9.73%	12	$13M
91	First Command Bank	9.25%	12	$4M
92	Meridian Bank	9.79%	12	$9M
93	Republic Bank & Trust Company	7.77%	12	$6M
94	b1BANK	9.60%	12	$11M
95	Univest Bank and Trust Co	9.98%	12	$3M
96	CIBC Bank USA	9.52%	12	$6M
97	Pathward National Association	9.88%	12	$21M
98	Leader Bank, National Association	10.10%	12	$5M
99	Renasant Bank	9.70%	11	$16M
100	LendingClub Bank, National Association	8.95%	11	$12M

Data Source: SBA FOIA Data, Calendar Year 2025 | Real Estate = 7(a) loans with term > 120 months

Methodology

Our rankings are based on official SBA FOIA data from Calendar Year 2025. Lenders are ranked by total loan volume within each category. Real estate loans are defined as 7(a) loans with terms exceeding 120 months (above 10 years). Working capital includes short-term operational financing. Business acquisition loans are for purchasing existing businesses. Startup loans are for new business formation. Franchise loans are specifically for franchise business investments.

Interest rates shown are average rates across all loans in the category. Loan volumes and counts reflect actual SBA lending activity during the reporting period. This data provides the most comprehensive and accurate picture of SBA lending performance available.

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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.