Best SBA Lenders in Chandler, AZ (2026)
2025 FOIA data: top lenders, rates & industries for Chandler SBA loans
SBA Loans in Chandler, Arizona
Looking for an SBA loan in Chandler, Arizona? Based on 2025 FOIA data, 73 SBA 7(a) loans were funded in Chandler totaling $35.9M, supporting an estimated 755 jobs. With 32 active lenders competing for business in the Chandler market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Chandler is $491K at an average rate of 10.14%. The top lender in Chandler is Celtic Bank Corporation, with the most-funded industry being Full-Service Restaurants. See all Arizona SBA lenders for statewide rankings.
SBA Loans in Chandler by Business Type
Whether you’re starting a new business in Chandler, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 13% of SBA loans in Chandler (12 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 12% (6 loans) — if you’re looking to buy a business in Chandler, this is a proven use case for SBA financing. Existing businesses make up 68% and typically receive the most favorable terms.
Top SBA Lenders in Chandler, AZ (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Chandler businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Celtic Bank Corporation | $5.4M | 2 | 10% |
| 2 | JPMorgan Chase Bank, National Association | $4.0M | 4 | 9.96% |
| 3 | Wells Fargo Bank National Association | $3.5M | 11 | 8.62% |
| 4 | Newtek Bank, National Association | $3.5M | 5 | 10.7% |
| 5 | The Huntington National Bank | $2.5M | 8 | 10.25% |
| 6 | Live Oak Banking Company | $2.1M | 2 | 9.79% |
| 7 | Readycap Lending, LLC | $1.7M | 4 | 11.38% |
| 8 | Northeast Bank | $1.6M | 7 | 11.11% |
| 9 | Community Bank & Trust-West Georgia | $1.3M | 1 | 10% |
| 10 | St. Louis Bank | $1.3M | 1 | 10.25% |
The top lenders in Chandler have direct experience with local businesses and understand the Chandler 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 Chandler 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 Chandler
One 5-minute application. 32+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Chandler
These are the industries that received the most SBA 7(a) funding in Chandler 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 | 2 | $5.2M |
| Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $2.9M |
| All Other Specialty Trade Contractors | 2 | $2.2M |
| Limited-Service Restaurants | 3 | $1.4M |
| All Other Amusement and Recreation Industries | 1 | $1.3M |
| Other Computer Related Services | 1 | $1.3M |
| Other Personal and Household Goods Repair and Maintenance | 6 | $1.2M |
| Elementary and Secondary Schools | 2 | $1.1M |
| Testing Laboratories | 1 | $1.0M |
| Nail Salons | 3 | $1.0M |
Lenders with experience funding your specific industry in Chandler 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 Chandler
Option 1: Apply directly to one of the top Chandler 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 Chandler-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.
