Best Cincinnati, OH SBA Lenders & Rates of 2026

Compare 34 SBA lenders in Cincinnati, OH. $82.9M funded across 191 businesses. Average rate 9.56%. Get matched free.

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Best Cincinnati, OH SBA Lenders & Rates of 2026

$82.9M
Total Funded

191
Loans Approved

$434K
Avg Loan Size

9.56%
Avg Interest Rate

34
Active Lenders

SBA Loans in Cincinnati, OH

Cincinnati, OH businesses received $82.9M in SBA 7(a) loan approvals across 191 businesses in 2025. With 34 active SBA lenders competing for business in Cincinnati, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Cincinnati is $434K, with rates averaging 9.56%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Cincinnati SBA Loans by Business Type

🚀 Startups
28%
$21.1M • 54 loans

🏢 Existing Businesses
56%
$41.0M • 107 loans

🔄 Acquisitions
16%
$20.8M • 30 loans

Top SBA Lenders in Cincinnati, OH (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Cincinnati businesses:

RankLenderVolumeLoansAvg Rate
1 The Huntington National Bank$31.6M899.46%
2 First Commonwealth Bank$7.6M89.19%
3 U.S. Bank, National Association$5.9M159.24%
4 Community Choice CU$3.6M28.75%
5 Heritage Bank Inc$3.5M39.75%
6 KeyBank National Association$3.4M610.08%
7 WesBanco Bank, Inc.$3.2M28.88%
8 First Financial Bank$2.5M67.71%
9 FCN Bank, National Association$2.4M27.75%
10 Northeast Bank$2.3M1110.45%
11 Newtek Bank, National Association$2.0M610.33%
12 PNC Bank, National Association$1.8M58.96%
13 RiverHills Bank$1.7M37.57%
14 Harvest Small Business Finance, LLC$1.6M310.00%
15 Bank of America, National Association$1.4M26.17%
16 Fifth Third Bank$1.1M410.17%
17 Celtic Bank Corporation$995K110.00%
18 First Internet Bank of Indiana$911K110.25%
19 Eclipse Bank Inc$765K19.75%
20 Live Oak Banking Company$650K210.00%
21 Grasshopper Bank National Association$500K110.50%
22 BayFirst National Bank$450K312.25%
23 Citizens Bank$426K110.25%
24 Peoples Bank$390K29.50%
25 United Midwest Savings Bank National Association$351K19.75%
26 Lendistry SBLC, LLC$350K112.00%
27 CDC Small Business Finance Corp.$310K110.50%
28 First Bank of the Lake$306K110.00%
29 Republic Bank & Trust Company$305K28.38%
30 Stock Yards Bank & Trust Company$300K17.75%
31 First State Bank Nebraska$200K19.00%
32 Readycap Lending, LLC$92K213.75%
33 JPMorgan Chase Bank, National Association$30K114.25%
34 Wells Fargo Bank National Association$15K114.00%

Top Industries in Cincinnati

Here are the industries that received the most SBA funding in Cincinnati:

SBA Loans in Ohio

Cincinnati is part of Ohio‘s SBA lending market. For statewide data and more lender options, see our full Ohio SBA Lenders guide.

🤝 Why Use an SBA Broker in Cincinnati?

GoSBA Loans helps Cincinnati businesses access the best SBA lenders:

  • Access 34+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Cincinnati
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Cincinnati SBA Loan

Our team has helped hundreds of Cincinnati businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in Cincinnati? GoSBA Loans is a trusted SBA loan broker serving businesses in Cincinnati and across Ohio. Contact our Cincinnati SBA 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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