Best SBA Lenders in Surprise, AZ (2026)
2025 FOIA data: top lenders, rates & industries for Surprise SBA loans
SBA Loans in Surprise, Arizona
Looking for an SBA loan in Surprise, Arizona? Based on 2025 FOIA data, 31 SBA 7(a) loans were funded in Surprise totaling $13.7M, supporting an estimated 474 jobs. With 20 active lenders competing for business in the Surprise market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Surprise is $442K at an average rate of 10.2%. The top lender in Surprise is Live Oak Banking Company, with the most-funded industry being Plumbing, Heating, and Air-Conditioning Contractors. See all Arizona SBA lenders for statewide rankings.
SBA Loans in Surprise by Business Type
Whether you’re starting a new business in Surprise, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 16% of SBA loans in Surprise (7 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 34% (2 loans) — if you’re looking to buy a business in Surprise, this is a proven use case for SBA financing. Existing businesses make up 30% and typically receive the most favorable terms.
Top SBA Lenders in Surprise, AZ (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Surprise businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | $3.9M | 3 | 9.5% |
| 2 | BNC National Bank | $1.6M | 2 | 9.38% |
| 3 | Evolve Bank and Trust | $1.3M | 1 | 10.5% |
| 4 | Capital One, National Association | $921K | 1 | 7.03% |
| 5 | Newtek Bank, National Association | $805K | 4 | 10.5% |
| 6 | American National Bank | $650K | 1 | 9.25% |
| 7 | Zions Bank, A Division of | $602K | 4 | 10.12% |
| 8 | The Huntington National Bank | $566K | 2 | 10% |
| 9 | The Bancorp Bank National Association | $563K | 1 | 9% |
| 10 | Brookline Bank, a Division of Beacon Bank and Trust | $523K | 1 | 10.5% |
The top lenders in Surprise have direct experience with local businesses and understand the Surprise 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 Surprise 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 Surprise
One 5-minute application. 20+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Surprise
These are the industries that received the most SBA 7(a) funding in Surprise 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 |
|---|---|---|
| Plumbing, Heating, and Air-Conditioning Contractors | 3 | $3.7M |
| Full-Service Restaurants | 2 | $1.8M |
| Limited-Service Restaurants | 2 | $1.5M |
| General Automotive Repair | 1 | $1.3M |
| Home Health Care Services | 1 | $650K |
| Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesal | 1 | $523K |
| Advertising Agencies | 1 | $500K |
| Offices of Lawyers | 1 | $500K |
| Other Personal Care Services | 1 | $408K |
| Insurance Agencies and Brokerages | 2 | $400K |
Lenders with experience funding your specific industry in Surprise 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 Surprise
Option 1: Apply directly to one of the top Surprise 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 Surprise-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.
