Best Specialty Contractors SBA Lenders of 2026

Compare the top 215 SBA lenders for Specialty Contractors businesses. $557.1M funded in 2025. Average rate 10.05%. Get matched free.

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Best Specialty Contractors SBA Lenders of 2026

$557.1M
Total Funded

1,137
Loans Approved

$490K
Avg Loan Size

10.05%
Avg Interest Rate

215
Active Lenders

SBA Loans for Specialty Contractors Businesses

The Specialty Contractors industry received $557.1M in SBA 7(a) loans across 1,137 businesses in 2025. With 215 lenders actively funding this industry, finding the right bank can make a significant difference in your rates and approval odds.

Working with an experienced SBA loan broker who understands the Specialty Contractors industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Specialty Contractors businesses is $490K with an average rate of 10.05%. Lenders who specialize in this industry often offer better terms and faster approvals.

SBA Loans by Business Type

Here’s how SBA 7(a) loans break down for Specialty Contractors businesses by business stage:

🚀 Startups
21%
$96.1M • 244 loans

🏢 Existing Businesses
64%
$257.2M • 724 loans

🔄 Business Acquisitions
15%
$203.5M • 168 loans

Top 50 SBA Lenders for Specialty Contractors (2025)

These are the banks that funded the most SBA 7(a) loan volume to Specialty Contractors businesses, ranked by total volume:

Rank Lender Volume Loans Avg Rate
1 The Huntington National Bank $77.5M 154 9.44%
2 First Internet Bank of Indiana $25.0M 16 9.92%
3 U.S. Bank, National Association $22.4M 68 9.87%
4 Readycap Lending, LLC $22.0M 61 11.36%
5 First National Bank of Pennsylvania $20.3M 12 9.35%
6 Northeast Bank $20.2M 109 11.03%
7 Newtek Bank, National Association $17.6M 28 10.55%
8 Brookline Bank, a Division of Beacon Bank and Trust $15.8M 8 9.66%
9 Live Oak Banking Company $12.5M 19 9.68%
10 JPMorgan Chase Bank, National Association $11.8M 37 10.71%
11 Wells Fargo Bank National Association $11.0M 13 9.95%
12 First Horizon Bank $8.2M 5 8.50%
13 Truliant FCU $8.1M 4 10.19%
14 First Bank of the Lake $7.9M 13 9.75%
15 Enterprise Bank & Trust $7.7M 4 7.44%
16 Pathward National Association $7.6M 4 9.25%
17 Webster Bank National Association $6.5M 4 8.19%
18 Merchants Bank of Indiana $6.1M 5 9.50%
19 Pinnacle Bank $6.1M 8 9.56%
20 MISSINGMAINBANKID $5.7M 2 9.40%
21 Mountain America FCU $5.6M 11 10.20%
22 Mission Valley Bank $5.5M 6 10.04%
23 Manufacturers and Traders Trust Company $5.4M 54 11.44%
24 Cadence Bank $5.1M 14 10.16%
25 EverBank National Association $5.0M 1 7.50%
26 Synovus Bank $5.0M 1 9.00%
27 Harvest Small Business Finance, LLC $4.9M 6 9.88%
28 Port 51 Lending LLC $4.8M 4 9.88%
29 BayFirst National Bank $4.4M 20 11.90%
30 Integro Bank $4.2M 3 9.92%
31 United Community Bank $4.1M 6 9.08%
32 KeyBank National Association $4.1M 11 10.45%
33 United Midwest Savings Bank National Association $4.1M 7 9.89%
34 Banner Bank $3.9M 11 9.25%
35 First State Bank $3.8M 2 8.00%
36 Redemption Bank $3.7M 1 9.75%
37 Citizens Community Federal National Association $3.5M 1 8.75%
38 Guaranty Bank and Trust Company $3.4M 1 9.00%
39 Regions Bank $3.3M 3 8.17%
40 NewBank $3.3M 2 8.88%
41 VelocitySBA, LLC $3.2M 2 9.75%
42 Banesco USA $3.2M 3 10.92%
43 Celtic Bank Corporation $3.1M 14 10.29%
44 T Bank, National Association $3.0M 3 9.67%
45 Community Bank & Trust-West Georgia $3.0M 3 10.25%
46 Union Bank and Trust Company $2.9M 5 7.96%
47 Cache Valley Bank $2.9M 4 8.75%
48 The Bancorp Bank National Association $2.9M 4 9.00%
49 Climate First Bank $2.7M 2 10.25%
50 Bank of Hope $2.6M 1 8.00%

🚀 Best Lenders for Specialty Contractors Startups

Starting a new all other specialty trade contractors business? These lenders funded the most startup loans in this industry:

Rank Lender Startup Volume Loans Avg Rate
1 First National Bank of Pennsylvania $8.6M 5 9.41%
2 First Internet Bank of Indiana $8.4M 4 9.75%
3 The Huntington National Bank $7.9M 34 9.84%
4 U.S. Bank, National Association $7.0M 14 9.30%
5 First Bank of the Lake $6.3M 12 9.73%
6 KeyBank National Association $4.1M 9 10.31%
7 Wells Fargo Bank National Association $3.9M 9 11.13%
8 Bank of Hope $2.6M 1 8.00%
9 Community Bank & Trust-West Georgia $2.5M 2 10.13%
10 Pinnacle Bank $2.1M 4 9.38%

🔄 Best Lenders for Specialty Contractors Acquisitions

Looking to buy an existing all other specialty trade contractors business? These lenders specialize in acquisition financing:

Rank Lender Acquisition Volume Loans Avg Rate
1 The Huntington National Bank $55.9M 50 9.04%
2 Brookline Bank, a Division of Beacon Bank and Trust $15.1M 5 9.65%
3 First Internet Bank of Indiana $12.9M 10 9.95%
4 Truliant FCU $7.5M 3 10.08%
5 First National Bank of Pennsylvania $6.7M 6 9.37%
6 First Horizon Bank $6.1M 2 8.50%
7 MISSINGMAINBANKID $5.7M 2 9.40%
8 EverBank National Association $5.0M 1 7.50%
9 Synovus Bank $5.0M 1 9.00%
10 United Community Bank $3.8M 5 9.00%

🏢 Best Lenders for Existing Specialty Contractors Businesses

Already running an established all other specialty trade contractors business? These lenders have funded the most loans to existing businesses in your industry:

Rank Lender Volume Loans Avg Rate
1 Readycap Lending, LLC $21.5M 59 11.41%
2 Northeast Bank $19.2M 97 10.98%
3 Newtek Bank, National Association $16.9M 26 10.58%
4 U.S. Bank, National Association $15.1M 53 10.06%
5 The Huntington National Bank $13.8M 70 9.53%
6 JPMorgan Chase Bank, National Association $10.7M 36 10.80%
7 Live Oak Banking Company $10.5M 15 9.71%
8 Enterprise Bank & Trust $7.7M 4 7.44%
9 Wells Fargo Bank National Association $7.1M 4 7.30%
10 Webster Bank National Association $6.5M 4 8.19%

Top States for Specialty Contractors SBA Loans

Here are the states with the highest SBA lending volume for Specialty Contractors businesses:

Rank State Volume Loans
1 Florida $96.8M 124
2 California $59.1M 117
3 Texas $38.6M 68
4 New York $30.1M 79
5 Ohio $24.2M 70
6 Colorado $20.8M 35
7 Virginia $19.4M 22
8 Pennsylvania $15.1M 40
9 Arizona $14.7M 25
10 Illinois $13.5M 30
11 Michigan $13.2M 62
12 Louisiana $13.0M 17
13 Maryland $12.7M 22
14 Georgia $12.7M 25
15 Connecticut $11.9M 15
16 North Carolina $11.8M 23
17 Indiana $10.8M 28
18 New Jersey $10.2M 26
19 New Mexico $10.2M 10
20 Washington $10.0M 30
21 Tennessee $10.0M 16
22 Wisconsin $10.0M 14
23 Massachusetts $9.6M 30
24 Utah $8.9M 21
25 Oregon $7.0M 15
26 Nevada $6.9M 9
27 South Carolina $6.7M 13
28 Idaho $6.5M 17
29 North Dakota $5.2M 3
30 Missouri $4.9M 18
31 Alabama $4.8M 5
32 Oklahoma $4.7M 12
33 Minnesota $4.3M 19
34 Iowa $3.8M 5
35 Maine $2.6M 4
36 Nebraska $2.1M 9
37 Kansas $2.0M 6
38 Rhode Island $2.0M 10
39 Kentucky $1.6M 8
40 New Hampshire $1.4M 12
41 Hawaii $871K 6
42 Delaware $639K 4
43 Arkansas $525K 2
44 Wyoming $433K 1
45 South Dakota $293K 3
46 West Virginia $225K 2
47 Alaska $150K 1
48 Mississippi $136K 2
49 Vermont $100K 1
50 Montana $50K 1

Top Cities for Specialty Contractors SBA Loans

Gonzales, La

$8.2M
Volume

5
Loans

West Palm Beach, Fl

$7.7M
Volume

5
Loans

Albuquerque, Nm

$7.7M
Volume

5
Loans

Apopka, Fl

$6.5M
Volume

5
Loans

Fairfax, Va

$6.4M
Volume

3
Loans

Fort Myers, Fl

$6.4M
Volume

3
Loans

Garland, Tx

$5.8M
Volume

2
Loans

Sanford, Fl

$5.4M
Volume

6
Loans

Fayetteville, Pa

$5.0M
Volume

1
Loans

Lebanon, Tn

$5.0M
Volume

2
Loans

Gold River, Ca

$5.0M
Volume

1
Loans

Charlotte Hall, Md

$5.0M
Volume

1
Loans

Venice, Fl

$5.0M
Volume

1
Loans

Sterling, Va

$5.0M
Volume

2
Loans

Stamford, Ct

$5.0M
Volume

1
Loans

Palm Bay, Fl

$4.8M
Volume

4
Loans

🤝 Why Use an SBA Broker for Specialty Contractors Loans?

GoSBA Loans has extensive experience financing Specialty Contractors businesses:

  • Industry expertise — we know which lenders specialize in Specialty Contractors
  • Access to 215+ lenders — including banks that don’t accept direct applications
  • Better rates — our relationships help secure competitive terms
  • Faster approvals — proper preparation leads to quicker decisions
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Specialty Contractors SBA Loan

Our team specializes in SBA financing for Specialty Contractors businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Specialty Contractors business? GoSBA Loans specializes in SBA loans for Specialty Contractors businesses. Contact our industry specialists today for a free consultation.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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