Best SBA Lenders in Mesquite, TX (2026)
2025 FOIA data: top lenders, rates & industries for Mesquite SBA loans
SBA Loans in Mesquite, Texas
Looking for an SBA loan in Mesquite, Texas? Based on 2025 FOIA data, 22 SBA 7(a) loans were funded in Mesquite totaling $13.9M, supporting an estimated 172 jobs. With 14 active lenders competing for business in the Mesquite market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Mesquite is $633K at an average rate of 9.84%. The top lender in Mesquite is MidFirst Bank, with the most-funded industry being Automotive Body, Paint, and Interior Repair and Maintenance. See all Texas SBA lenders for statewide rankings.
SBA Loans in Mesquite by Business Type
Whether you’re starting a new business in Mesquite, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 10% of SBA loans in Mesquite (1 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 42% (5 loans) — if you’re looking to buy a business in Mesquite, this is a proven use case for SBA financing. Existing businesses make up 17% and typically receive the most favorable terms.
Top SBA Lenders in Mesquite, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Mesquite businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | MidFirst Bank | $3.8M | 1 | 7% |
| 2 | Enterprise Bank & Trust | $2.6M | 1 | 7% |
| 3 | Metro City Bank | $1.5M | 2 | 9% |
| 4 | PCB Bank | $1.4M | 1 | 9.25% |
| 5 | The Huntington National Bank | $942K | 2 | 9.5% |
| 6 | U.S. Bank, National Association | $929K | 2 | 8.5% |
| 7 | Security National Bank of Omaha | $696K | 1 | 10% |
| 8 | Newtek Bank, National Association | $650K | 2 | 10.5% |
| 9 | American Momentum Bank | $408K | 1 | 10.25% |
| 10 | Gulf Coast Bank and Trust Company | $400K | 2 | 10.5% |
The top lenders in Mesquite have direct experience with local businesses and understand the Mesquite 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 Mesquite 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 Mesquite
One 5-minute application. 14+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Mesquite
These are the industries that received the most SBA 7(a) funding in Mesquite 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 |
|---|---|---|
| Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $3.8M |
| Nail Salons | 3 | $1.1M |
| Electrical Contractors | 2 | $942K |
| Insurance Agencies and Brokerages | 2 | $929K |
| All Other Personal Services | 1 | $408K |
| Motion Picture and Video Production | 1 | $160K |
| Limited-Service Restaurants | 1 | $150K |
| Residential Remodelers | 1 | $150K |
| Full-Service Restaurants | 1 | $150K |
| Child Day Care Services | 1 | $100K |
Lenders with experience funding your specific industry in Mesquite 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 Mesquite
Option 1: Apply directly to one of the top Mesquite 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 Mesquite-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.
