Best SBA Lenders in Cedar Park, TX (2026)
2025 FOIA data: top lenders, rates & industries for Cedar Park SBA loans
SBA Loans in Cedar Park, Texas
Looking for an SBA loan in Cedar Park, Texas? Based on 2025 FOIA data, 42 SBA 7(a) loans were funded in Cedar Park totaling $36.4M, supporting an estimated 638 jobs. With 30 active lenders competing for business in the Cedar Park market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Cedar Park is $867K at an average rate of 10.11%. The top lender in Cedar Park is Byline Bank, with the most-funded industry being Hotels (except Casino Hotels) and Motels. See all Texas SBA lenders for statewide rankings.
SBA Loans in Cedar Park by Business Type
Whether you’re starting a new business in Cedar Park, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 32% of SBA loans in Cedar Park (10 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 33% (5 loans) — if you’re looking to buy a business in Cedar Park, this is a proven use case for SBA financing. Existing businesses make up 29% and typically receive the most favorable terms.
Top SBA Lenders in Cedar Park, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Cedar Park businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Byline Bank | $5.7M | 2 | 10.75% |
| 2 | Everwise Credit Union | $5.0M | 1 | 9.5% |
| 3 | First Internet Bank of Indiana | $3.7M | 1 | 10.25% |
| 4 | Susser Bank | $3.6M | 2 | 9% |
| 5 | The Huntington National Bank | $2.9M | 5 | 9.5% |
| 6 | Texas Capital Bank | $2.7M | 1 | 6.5% |
| 7 | Heritage Bank Inc | $2.3M | 1 | 11% |
| 8 | Bankwell Bank | $1.2M | 1 | 10.25% |
| 9 | Northeast Bank | $1.0M | 2 | 10.75% |
| 10 | Fifth Third Bank | $969K | 1 | 8.5% |
The top lenders in Cedar Park have direct experience with local businesses and understand the Cedar Park 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 Cedar Park 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 Cedar Park
One 5-minute application. 30+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Cedar Park
These are the industries that received the most SBA 7(a) funding in Cedar Park 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 |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 1 | $5.0M |
| Industrial Supplies Merchant Wholesalers | 1 | $4.8M |
| Computer Facilities Management Services | 1 | $3.7M |
| All Other Professional, Scientific, and Technical Services | 2 | $3.6M |
| General Automotive Repair | 2 | $3.1M |
| All Other Transportation Equipment Manufacturing | 1 | $2.3M |
| All Other Amusement and Recreation Industries | 2 | $1.4M |
| Drinking Places (Alcoholic Beverages) | 2 | $1.3M |
| Child Day Care Services | 1 | $1.2M |
| Supermarkets and Other Grocery (except Convenience) Stores | 2 | $1.0M |
Lenders with experience funding your specific industry in Cedar Park 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 Cedar Park
Option 1: Apply directly to one of the top Cedar Park 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 Cedar Park-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.
