Best SBA Lenders in Humble, TX (2026)
2025 FOIA data: top lenders, rates & industries for Humble SBA loans
SBA Loans in Humble, Texas
Looking for an SBA loan in Humble, Texas? Based on 2025 FOIA data, 39 SBA 7(a) loans were funded in Humble totaling $21.8M, supporting an estimated 371 jobs. With 21 active lenders competing for business in the Humble market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Humble is $559K at an average rate of 10.33%. The top lender in Humble is Port 51 Lending LLC, with the most-funded industry being Hotels (except Casino Hotels) and Motels. See all Texas SBA lenders for statewide rankings.
SBA Loans in Humble by Business Type
Whether you’re starting a new business in Humble, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 15% of SBA loans in Humble (8 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 29% (6 loans) — if you’re looking to buy a business in Humble, this is a proven use case for SBA financing. Existing businesses make up 54% and typically receive the most favorable terms.
Top SBA Lenders in Humble, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Humble businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Port 51 Lending LLC | $3.7M | 2 | 9.25% |
| 2 | Live Oak Banking Company | $3.2M | 4 | 8.62% |
| 3 | Harvest Small Business Finance, LLC | $2.0M | 2 | 9% |
| 4 | Citizens Bank | $2.0M | 2 | 9.75% |
| 5 | Newtek Bank, National Association | $1.9M | 2 | 12% |
| 6 | First Service Credit Union | $1.7M | 1 | 8.5% |
| 7 | Cadence Bank | $1.3M | 2 | 10.5% |
| 8 | Plains State Bank | $1.3M | 1 | 9% |
| 9 | PlainsCapital Bank | $1.2M | 1 | 8.5% |
| 10 | First Bank of the Lake | $1.0M | 2 | 10.25% |
The top lenders in Humble have direct experience with local businesses and understand the Humble 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 Humble 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 Humble
One 5-minute application. 21+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Humble
These are the industries that received the most SBA 7(a) funding in Humble 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 |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 4 | $7.0M |
| All Other Amusement and Recreation Industries | 4 | $3.7M |
| Child Day Care Services | 3 | $2.4M |
| Other Foundation, Structure, and Building Exterior Contractors | 2 | $1.8M |
| General Automotive Repair | 2 | $1.4M |
| Full-Service Restaurants | 2 | $1.4M |
| Snack and Nonalcoholic Beverage Bars | 1 | $420K |
| Fitness and Recreational Sports Centers | 2 | $417K |
| Sports and Recreation Instruction | 2 | $416K |
| General Freight Trucking, Long Distance, Truckload | 1 | $195K |
Lenders with experience funding your specific industry in Humble 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 Humble
Option 1: Apply directly to one of the top Humble 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 Humble-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.
