Best SBA Lenders in Carrollton, TX (2026)
2025 FOIA data: top lenders, rates & industries for Carrollton SBA loans
SBA Loans in Carrollton, Texas
Looking for an SBA loan in Carrollton, Texas? Based on 2025 FOIA data, 70 SBA 7(a) loans were funded in Carrollton totaling $48.9M, supporting an estimated 787 jobs. With 38 active lenders competing for business in the Carrollton market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Carrollton is $699K at an average rate of 9.6%. The top lender in Carrollton is The Huntington National Bank, with the most-funded industry being Full-Service Restaurants. See all Texas SBA lenders for statewide rankings.
SBA Loans in Carrollton by Business Type
Whether you’re starting a new business in Carrollton, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 15% of SBA loans in Carrollton (11 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 14% (9 loans) — if you’re looking to buy a business in Carrollton, this is a proven use case for SBA financing. Existing businesses make up 67% and typically receive the most favorable terms.
Top SBA Lenders in Carrollton, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Carrollton businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank | $6.0M | 7 | 9.23% |
| 2 | Texas Capital Bank | $3.5M | 2 | 8.38% |
| 3 | Frost Bank | $3.3M | 1 | 7.3% |
| 4 | JPMorgan Chase Bank, National Association | $3.1M | 5 | 10.54% |
| 5 | American National Bank and Trust | $3.0M | 2 | 8.5% |
| 6 | Live Oak Banking Company | $2.7M | 3 | 9.58% |
| 7 | New Millennium Bank | $2.4M | 1 | 8.25% |
| 8 | Worthington Bank | $2.3M | 1 | 8.5% |
| 9 | U.S. Bank, National Association | $2.2M | 1 | 8.75% |
| 10 | PCB Bank | $1.8M | 4 | 9.75% |
The top lenders in Carrollton have direct experience with local businesses and understand the Carrollton 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 Carrollton 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 Carrollton
One 5-minute application. 38+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Carrollton
These are the industries that received the most SBA 7(a) funding in Carrollton 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 | 11 | $7.9M |
| Other Grocery and Related Products Merchant Wholesalers | 3 | $4.5M |
| New Single-Family Housing Construction (except Operative Builders) | 2 | $4.0M |
| Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant | 1 | $3.4M |
| General Automotive Repair | 3 | $2.8M |
| Home Health Care Services | 3 | $2.4M |
| Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $2.2M |
| All Other Professional, Scientific, and Technical Services | 3 | $1.6M |
| Commercial and Institutional Building Construction | 1 | $1.5M |
| Glass and Glazing Contractors | 1 | $1.5M |
Lenders with experience funding your specific industry in Carrollton 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 Carrollton
Option 1: Apply directly to one of the top Carrollton 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 Carrollton-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.
