BlogRankingIndustryBest Commercial Construction SBA Lenders of 2026

Best Commercial Construction SBA Lenders of 2026

February 2, 2026
Industry, Ranking
5 min read

Best Commercial and Institutional Building SBA Lenders of 2026

$206.6M
Total Funded

467
Loans Approved

$442K
Avg Loan Size

10.18%
Avg Interest Rate

115
Active Lenders

SBA Loans for Commercial and Institutional Building Businesses

The Commercial Construction industry received $206.6M in SBA 7(a) loans across 467 businesses in 2025. With 115 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 Commercial and Institutional Building industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Commercial and Institutional Building businesses is $442K with an average rate of 10.18%. 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 Commercial and Institutional Building businesses by business stage:

🚀 Startups
16%
$27.9M • 75 loans

🏢 Existing Businesses
80%
$136.5M • 372 loans

🔄 Business Acquisitions
4%
$42.2M • 20 loans

Top 50 SBA Lenders for Commercial and Institutional Building (2025)

These are the banks that funded the most SBA 7(a) loan volume to Commercial and Institutional Building businesses, ranked by total volume:

Rank Lender Volume Loans Avg Rate
1 Northeast Bank $16.8M 66 10.75%
2 Readycap Lending, LLC $14.4M 16 10.95%
3 JPMorgan Chase Bank, National Association $12.1M 44 10.41%
4 The Huntington National Bank $11.2M 30 9.04%
5 Live Oak Banking Company $8.6M 7 9.16%
6 Newtek Bank, National Association $6.6M 7 10.36%
7 U.S. Bank, National Association $5.9M 33 10.83%
8 First Bank of the Lake $5.7M 4 10.06%
9 Bank of America, National Association $5.1M 4 7.33%
10 Washington Trust Bank $5.1M 3 8.17%
11 DFCU Financial $5.0M 1 9.75%
12 Pathward National Association $5.0M 1 9.75%
13 FirstBank $5.0M 1 8.90%
14 First Bank of Central Ohio $4.8M 3 9.83%
15 Northwest Bank $4.2M 1 6.95%
16 TD Bank, National Association $3.8M 24 10.43%
17 First Savings Bank $3.5M 1 10.50%
18 Enterprise Bank & Trust $3.4M 3 8.50%
19 Endeavor Bank $3.2M 1 8.00%
20 WesBanco Bank, Inc. $3.0M 2 9.00%
21 Manufacturers and Traders Trust Company $2.8M 19 11.28%
22 Banner Bank $2.7M 3 8.66%
23 First Commonwealth Bank $2.7M 4 9.25%
24 Wells Fargo Bank National Association $2.6M 7 10.02%
25 Third Coast Bank $2.5M 1 9.00%
26 Plains State Bank $2.5M 1 9.00%
27 Zions Bank, A Division of $2.5M 14 10.14%
28 Fidelity Bank, National Association $2.0M 2 8.00%
29 First Resource Bank $1.9M 2 9.38%
30 BayFirst National Bank $1.9M 13 12.25%
31 Southwestern National Bank $1.9M 3 8.75%
32 Lendistry SBLC, LLC $1.8M 6 11.79%
33 Brookline Bank, a Division of Beacon Bank and Trust $1.8M 2 10.13%
34 Commercial Bank of California $1.8M 1 8.50%
35 BankVista $1.7M 2 9.25%
36 Univest Bank and Trust Co $1.5M 2 9.63%
37 American National Bank and Trust $1.5M 1 8.50%
38 Grasshopper Bank National Association $1.4M 3 10.33%
39 Celtic Bank Corporation $1.4M 14 10.95%
40 Oriental Bank $1.3M 4 8.94%
41 Provident Bank $1.3M 1 10.50%
42 Community Bank of Mississippi $1.3M 2 8.38%
43 Mountain America FCU $1.2M 3 9.30%
44 Harvest Small Business Finance, LLC $1.1M 1 10.50%
45 Byline Bank $1.1M 1 10.25%
46 Webster Bank National Association $1.0M 3 8.83%
47 Hanmi Bank $1.0M 1 8.50%
48 Bank of Hope $1.0M 1 9.50%
49 Highland Bank $1.0M 2 9.25%
50 MidWestOne Bank $1.0M 1 9.50%

🚀 Best Lenders for Commercial and Institutional Building Startups

Starting a new commercial and institutional building business? These lenders funded the most startup loans in this industry:

Rank Lender Startup Volume Loans Avg Rate
1 DFCU Financial $5.0M 1 9.75%
2 Washington Trust Bank $3.3M 2 8.25%
3 U.S. Bank, National Association $2.6M 11 10.87%
4 Newtek Bank, National Association $2.5M 1 10.50%
5 The Huntington National Bank $1.4M 5 8.93%
6 Byline Bank $1.1M 1 10.25%
7 Brookline Bank, a Division of Beacon Bank and Trust $1.0M 1 10.00%
8 Hanmi Bank $1.0M 1 8.50%
9 Bank of Hope $1.0M 1 9.50%
10 Wells Fargo Bank National Association $961K 6 10.63%

🔄 Best Lenders for Commercial and Institutional Building Acquisitions

Looking to buy an existing commercial and institutional building business? These lenders specialize in acquisition financing:

Rank Lender Acquisition Volume Loans Avg Rate
1 Readycap Lending, LLC $9.4M 2 10.50%
2 Live Oak Banking Company $7.7M 5 9.00%
3 The Huntington National Bank $5.5M 4 9.50%
4 Pathward National Association $5.0M 1 9.75%
5 FirstBank $5.0M 1 8.90%
6 Northwest Bank $4.2M 1 6.95%
7 BankVista $1.7M 2 9.25%
8 Banner Bank $1.6M 1 9.50%
9 Brookline Bank, a Division of Beacon Bank and Trust $776K 1 10.25%
10 Truliant FCU $718K 1 10.50%

🏢 Best Lenders for Existing Commercial and Institutional Building Businesses

Already running an established commercial and institutional building business? These lenders have funded the most loans to existing businesses in your industry:

Rank Lender Volume Loans Avg Rate
1 Northeast Bank $16.4M 63 10.74%
2 JPMorgan Chase Bank, National Association $11.6M 43 10.43%
3 Bank of America, National Association $5.1M 4 7.33%
4 First Bank of the Lake $5.0M 2 10.00%
5 First Bank of Central Ohio $4.8M 3 9.83%
6 Readycap Lending, LLC $4.6M 13 11.08%
7 The Huntington National Bank $4.3M 21 8.98%
8 Newtek Bank, National Association $4.1M 6 10.33%
9 TD Bank, National Association $3.6M 21 10.44%
10 First Savings Bank $3.5M 1 10.50%

Top States for Commercial and Institutional Building SBA Loans

Here are the states with the highest SBA lending volume for Commercial and Institutional Building businesses:

Rank State Volume Loans
1 California $30.8M 78
2 Florida $22.3M 39
3 Texas $21.4M 34
4 New York $17.4M 40
5 Colorado $12.4M 17
6 Washington $9.8M 10
7 Ohio $9.0M 20
8 New Jersey $7.3M 22
9 Virginia $6.9M 9
10 Utah $6.9M 11
11 Minnesota $6.3M 12
12 Missouri $5.9M 9
13 Pennsylvania $5.5M 13
14 Georgia $4.5M 13
15 Illinois $4.3M 15
16 Arizona $4.2M 16
17 Nebraska $4.2M 1
18 Idaho $4.2M 7
19 Michigan $3.2M 15
20 Kansas $2.5M 3
21 Massachusetts $2.1M 8
22 North Carolina $2.1M 7
23 Puerto Rico $2.0M 7
24 Indiana $1.4M 4
25 South Carolina $1.3M 4
26 Maryland $1.3M 7
27 Mississippi $1.0M 2
28 Wisconsin $900K 4
29 Oregon $575K 3
30 Alabama $550K 3
31 Louisiana $463K 5
32 New Mexico $422K 3
33 North Dakota $350K 2
34 Kentucky $350K 2
35 South Dakota $309K 3
36 Connecticut $300K 2
37 Montana $299K 2
38 Oklahoma $281K 2
39 Tennessee $250K 2
40 Arkansas $250K 1
41 Hawaii $250K 1
42 District of Columbia $200K 1
43 Nevada $190K 2
44 Alaska $150K 1
45 Rhode Island $105K 1
46 Wyoming $100K 1
47 New Hampshire $75K 1
48 Delaware $27K 1
49 Maine $25K 1

Top Cities for Commercial and Institutional Building SBA Loans

Spring, Tx

$5.5M
Volume

3
Loans

New York, Ny

$5.3M
Volume

3
Loans

Berkely, Mo

$5.2M
Volume

4
Loans

Austin, Tx

$5.2M
Volume

3
Loans

Lithia, Fl

$5.0M
Volume

1
Loans

Elliston, Va

$5.0M
Volume

1
Loans

Lakewood, Co

$5.0M
Volume

1
Loans

Pataskala, Oh

$4.8M
Volume

3
Loans

Apollo Beach, Fl

$4.4M
Volume

2
Loans

Milford, Ut

$4.4M
Volume

1
Loans

Blair, Ne

$4.2M
Volume

1
Loans

San Antonio, Tx

$3.6M
Volume

5
Loans

Mccleary, Wa

$3.5M
Volume

1
Loans

Saint Petersburg, Fl

$3.4M
Volume

3
Loans

Spokane, Wa

$3.3M
Volume

2
Loans

Simi Valley, Ca

$3.2M
Volume

1
Loans

🤝 Why Use an SBA Broker for Commercial and Institutional Building Loans?

GoSBA Loans has extensive experience financing Commercial and Institutional Building businesses:

  • Industry expertise — we know which lenders specialize in Commercial and Institutional Building
  • Access to 115+ 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 Commercial and Institutional Building SBA Loan

Our team specializes in SBA financing for Commercial and Institutional Building businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Commercial and Institutional Building business? GoSBA Loans specializes in SBA loans for Commercial and Institutional Building businesses. Contact our industry specialists today for a free consultation.

Explore Other Industries

http://gosbaloans.com

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.

You may also like

CONTACT US