Best SBA Lenders in Sedona, AZ (2026)
2025 FOIA data: top lenders, rates & industries for Sedona SBA loans
SBA Loans in Sedona, Arizona
Looking for an SBA loan in Sedona, Arizona? Based on 2025 FOIA data, 10 SBA 7(a) loans were funded in Sedona totaling $11.8M, supporting an estimated 127 jobs. With 5 active lenders competing for business in the Sedona market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Sedona is $1.2M at an average rate of 10.97%. The top lender in Sedona is Midwest Regional Bank, with the most-funded industry being Hotels (except Casino Hotels) and Motels. See all Arizona SBA lenders for statewide rankings.
SBA Loans in Sedona by Business Type
Whether you’re starting a new business in Sedona, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 42% of SBA loans in Sedona (1 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 51% (4 loans) — if you’re looking to buy a business in Sedona, this is a proven use case for SBA financing. Existing businesses make up 7% and typically receive the most favorable terms.
Top SBA Lenders in Sedona, AZ (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Sedona businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Midwest Regional Bank | $5.3M | 3 | 10.25% |
| 2 | Readycap Lending, LLC | $5.0M | 2 | 11.88% |
| 3 | Zions Bank, A Division of | $868K | 3 | 10.33% |
| 4 | Community Bank & Trust-West Georgia | $500K | 1 | 10.25% |
| 5 | AMPAC Tri-State CDC, Inc. | $50K | 1 | 14% |
The top lenders in Sedona have direct experience with local businesses and understand the Sedona 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 Sedona 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 Sedona
One 5-minute application. 5+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Sedona
These are the industries that received the most SBA 7(a) funding in Sedona 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 | 1 | $5.0M |
| Limited-Service Restaurants | 1 | $506K |
| Plumbing, Heating, and Air-Conditioning Contractors | 1 | $500K |
| Residential Property Managers | 2 | $200K |
Lenders with experience funding your specific industry in Sedona 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 Sedona
Option 1: Apply directly to one of the top Sedona 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 Sedona-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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Can I get an SBA loan to start a business in Sedona?
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Ready to Apply for an SBA Loan in Sedona?
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
