Best SBA Lenders in Lakewood, CO (2026)
2025 FOIA data: top lenders, rates & industries for Lakewood SBA loans
SBA Loans in Lakewood, Colorado
Looking for an SBA loan in Lakewood, Colorado? Based on 2025 FOIA data, 58 SBA 7(a) loans were funded in Lakewood totaling $47.9M, supporting an estimated 421 jobs. With 29 active lenders competing for business in the Lakewood market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Lakewood is $826K at an average rate of 10.03%. The top lender in Lakewood is FirstBank, with the most-funded industry being Child Day Care Services. See all Colorado SBA lenders for statewide rankings.
SBA Loans in Lakewood by Business Type
Whether you’re starting a new business in Lakewood, 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 Lakewood (7 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 41% (17 loans) — if you’re looking to buy a business in Lakewood, this is a proven use case for SBA financing. Existing businesses make up 34% and typically receive the most favorable terms.
Top SBA Lenders in Lakewood, CO (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Lakewood businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | FirstBank | $5.0M | 1 | 8.9% |
| 2 | Newtek Bank, National Association | $4.3M | 2 | 10.62% |
| 3 | Hanmi Bank | $4.1M | 5 | 9.1% |
| 4 | BMO Bank National Association | $3.6M | 1 | 6.13% |
| 5 | VelocitySBA, LLC | $3.6M | 3 | 10.17% |
| 6 | First Interstate Bank | $3.5M | 1 | 8.5% |
| 7 | T Bank, National Association | $2.8M | 2 | 9.75% |
| 8 | SouthState Bank, National Association | $2.4M | 2 | 9% |
| 9 | Bank of Hope | $2.1M | 1 | 8.75% |
| 10 | Enterprise Bank & Trust | $2.1M | 1 | 9.25% |
The top lenders in Lakewood have direct experience with local businesses and understand the Lakewood 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 Lakewood 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 Lakewood
One 5-minute application. 29+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Lakewood
These are the industries that received the most SBA 7(a) funding in Lakewood 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 |
|---|---|---|
| Child Day Care Services | 3 | $5.3M |
| Commercial and Institutional Building Construction | 1 | $5.0M |
| Carpet and Upholstery Cleaning Services | 1 | $4.2M |
| Other Building Finishing Contractors | 2 | $2.8M |
| All Other Amusement and Recreation Industries | 1 | $2.3M |
| Hotels (except Casino Hotels) and Motels | 1 | $2.1M |
| All Other Miscellaneous Schools and Instruction | 2 | $1.8M |
| Breweries | 1 | $1.7M |
| Full-Service Restaurants | 2 | $1.4M |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 1 | $1.3M |
Lenders with experience funding your specific industry in Lakewood 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 Lakewood
Option 1: Apply directly to one of the top Lakewood 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 Lakewood-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.
