Best SBA Lenders in Addison, TX (2026)
2025 FOIA data: top lenders, rates & industries for Addison SBA loans
SBA Loans in Addison, Texas
Looking for an SBA loan in Addison, Texas? Based on 2025 FOIA data, 24 SBA 7(a) loans were funded in Addison totaling $30.2M, supporting an estimated 227 jobs. With 18 active lenders competing for business in the Addison market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Addison is $1.3M at an average rate of 10.11%. The top lender in Addison is American National Bank, with the most-funded industry being Full-Service Restaurants. See all Texas SBA lenders for statewide rankings.
SBA Loans in Addison by Business Type
Whether you’re starting a new business in Addison, 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 Addison (1 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 76% (9 loans) — if you’re looking to buy a business in Addison, this is a proven use case for SBA financing. Existing businesses make up 6% and typically receive the most favorable terms.
Top SBA Lenders in Addison, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Addison businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | American National Bank | $5.0M | 1 | 8.05% |
| 2 | Global One Bank | $5.0M | 1 | 8.5% |
| 3 | Live Oak Banking Company | $5.0M | 1 | 10% |
| 4 | Security National Bank of Omaha | $3.9M | 1 | 8.75% |
| 5 | Midwest Regional Bank | $3.2M | 1 | 10.25% |
| 6 | U.S. Bank, National Association | $2.0M | 1 | 7.55% |
| 7 | Newtek Bank, National Association | $1.6M | 4 | 10.62% |
| 8 | The Huntington National Bank | $1.1M | 2 | 9.5% |
| 9 | Readycap Lending, LLC | $934K | 1 | 10.25% |
| 10 | US Metro Bank | $910K | 1 | 9.75% |
The top lenders in Addison have direct experience with local businesses and understand the Addison 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 Addison 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 Addison
One 5-minute application. 18+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Addison
These are the industries that received the most SBA 7(a) funding in Addison 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 |
|---|---|---|
| Full-Service Restaurants | 6 | $6.4M |
| Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant | 1 | $5.0M |
| Hotels (except Casino Hotels) and Motels | 1 | $5.0M |
| All Other Professional, Scientific, and Technical Services | 1 | $5.0M |
| Other Personal Care Services | 1 | $3.9M |
| Offices of Certified Public Accountants | 1 | $2.0M |
| General Automotive Repair | 1 | $934K |
| Security Guards and Patrol Services | 2 | $600K |
| Architectural Services | 2 | $375K |
| Other Chemical and Allied Products Merchant Wholesalers | 1 | $350K |
Lenders with experience funding your specific industry in Addison 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 Addison
Option 1: Apply directly to one of the top Addison 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 Addison-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.
