Best SBA Lenders in Kirkland, WA (2026)
2025 FOIA data: top lenders, rates & industries for Kirkland SBA loans
SBA Loans in Kirkland, Washington
Looking for an SBA loan in Kirkland, Washington? Based on 2025 FOIA data, 46 SBA 7(a) loans were funded in Kirkland totaling $30.8M, supporting an estimated 527 jobs. With 18 active lenders competing for business in the Kirkland market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Kirkland is $669K at an average rate of 9.8%. The top lender in Kirkland is U.S. Bank, National Association, with the most-funded industry being Horse and Other Equine Production. See all Washington SBA lenders for statewide rankings.
SBA Loans in Kirkland by Business Type
Whether you’re starting a new business in Kirkland, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 14% of SBA loans in Kirkland (5 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 42% (13 loans) — if you’re looking to buy a business in Kirkland, this is a proven use case for SBA financing. Existing businesses make up 41% and typically receive the most favorable terms.
Top SBA Lenders in Kirkland, WA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Kirkland businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | U.S. Bank, National Association | $9.0M | 5 | 8.85% |
| 2 | KeyBank National Association | $3.8M | 9 | 10.21% |
| 3 | The Huntington National Bank | $3.3M | 2 | 8.75% |
| 4 | First Internet Bank of Indiana | $3.2M | 1 | 10.25% |
| 5 | Harborstone CU | $2.0M | 1 | 9.5% |
| 6 | Washington Trust Bank | $1.9M | 4 | 7.44% |
| 7 | Live Oak Banking Company | $1.6M | 2 | 9.25% |
| 8 | The Bancorp Bank National Association | $1.1M | 1 | 8.5% |
| 9 | Bank of America, National Association | $990K | 4 | 9.87% |
| 10 | Gesa CU | $970K | 2 | 10.25% |
The top lenders in Kirkland have direct experience with local businesses and understand the Kirkland 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 Kirkland 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 Kirkland
One 5-minute application. 18+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Kirkland
These are the industries that received the most SBA 7(a) funding in Kirkland 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 |
|---|---|---|
| Horse and Other Equine Production | 1 | $4.2M |
| Child Day Care Services | 1 | $3.7M |
| All Other Professional, Scientific, and Technical Services | 3 | $3.6M |
| Other Specialized Design Services | 1 | $2.0M |
| Fitness and Recreational Sports Centers | 2 | $1.9M |
| Exam Preparation and Tutoring | 2 | $1.6M |
| Plumbing, Heating, and Air-Conditioning Contractors | 1 | $1.1M |
| Other Grocery and Related Products Merchant Wholesalers | 1 | $1.0M |
| Other Activities Related to Real Estate | 2 | $1.0M |
| Locksmiths | 2 | $970K |
Lenders with experience funding your specific industry in Kirkland 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 Kirkland
Option 1: Apply directly to one of the top Kirkland 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 Kirkland-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
How many SBA loans were funded in Kirkland in 2025?
Can I get an SBA loan to start a business in Kirkland?
Who is the top SBA lender in Kirkland?
What is the average SBA loan rate in Kirkland?
Ready to Apply for an SBA Loan in Kirkland?
50+ lenders competing for your deal. Better rates, faster closing. No fees.
Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
