Best SBA Lenders in Denton, TX (2026)
2025 FOIA data: top lenders, rates & industries for Denton SBA loans
SBA Loans in Denton, Texas
Looking for an SBA loan in Denton, Texas? Based on 2025 FOIA data, 38 SBA 7(a) loans were funded in Denton totaling $19.5M, supporting an estimated 524 jobs. With 24 active lenders competing for business in the Denton market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Denton is $514K at an average rate of 10.18%. The top lender in Denton is Byline Bank, with the most-funded industry being All Other Amusement and Recreation Industries. See all Texas SBA lenders for statewide rankings.
SBA Loans in Denton by Business Type
Whether you’re starting a new business in Denton, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 31% of SBA loans in Denton (9 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 24% (6 loans) — if you’re looking to buy a business in Denton, this is a proven use case for SBA financing. Existing businesses make up 31% and typically receive the most favorable terms.
Top SBA Lenders in Denton, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Denton businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Byline Bank | $4.0M | 2 | 10.25% |
| 2 | The Huntington National Bank | $3.5M | 6 | 9.37% |
| 3 | Bank Five Nine | $2.5M | 1 | 9.25% |
| 4 | Colony Bank | $1.2M | 2 | 10.38% |
| 5 | First United Bank and Trust Company | $938K | 2 | 10.12% |
| 6 | Live Oak Banking Company | $935K | 2 | 8.87% |
| 7 | Citizens Bank | $720K | 1 | 10.25% |
| 8 | Busey Bank | $699K | 2 | 10.12% |
| 9 | Southwestern National Bank | $640K | 1 | 9.5% |
| 10 | First Bank of the Lake | $583K | 1 | 9.75% |
The top lenders in Denton have direct experience with local businesses and understand the Denton market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Denton and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Denton
One 5-minute application. 24+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Denton
These are the industries that received the most SBA 7(a) funding in Denton in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| All Other Amusement and Recreation Industries | 2 | $3.1M |
| Retail Bakeries | 2 | $2.6M |
| Fitness and Recreational Sports Centers | 2 | $1.5M |
| Limited-Service Restaurants | 2 | $870K |
| Tax Preparation Services | 2 | $699K |
| Drycleaning and Laundry Services (except Coin-Operated) | 1 | $640K |
| Full-Service Restaurants | 2 | $575K |
| Offices of Certified Public Accountants | 1 | $565K |
| Residential Mental Health and Substance Abuse Facilities | 1 | $500K |
| Veterinary Services | 1 | $500K |
Lenders with experience funding your specific industry in Denton understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Denton
Option 1: Apply directly to one of the top Denton lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Denton-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
