BlogRankingIndustryBest Software Development Companies SBA Lenders of 2026

Best Software Development Companies SBA Lenders of 2026

February 2, 2026
Industry, Ranking
5 min read

Best Software Development Companies SBA Lenders of 2026

$167.7M
Total Funded

409
Loans Approved

$410K
Avg Loan Size

10.54%
Avg Interest Rate

86
Active Lenders

SBA Loans for Software Development Companies Businesses

The Software Development Companies industry received $167.7M in SBA 7(a) loans across 409 businesses in 2025. With 86 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 Software Development Companies industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Software Development Companies businesses is $410K with an average rate of 10.54%. 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 Software Development Companies businesses by business stage:

🚀 Startups
15%
$27.7M • 60 loans

🏢 Existing Businesses
81%
$111.3M • 333 loans

🔄 Business Acquisitions
4%
$28.7M • 16 loans

Top 50 SBA Lenders for Software Development Companies (2025)

These are the banks that funded the most SBA 7(a) loan volume to Software Development Companies businesses, ranked by total volume:

Rank Lender Volume Loans Avg Rate
1 Newtek Bank, National Association $34.1M 87 10.86%
2 Bank of America, National Association $8.6M 19 7.81%
3 Northeast Bank $7.9M 45 11.02%
4 First Internet Bank of Indiana $7.0M 4 10.00%
5 The Huntington National Bank $6.2M 18 9.71%
6 Community Bank & Trust-West Georgia $5.4M 2 10.00%
7 East West Bank $5.1M 3 9.08%
8 Summit State Bank $5.0M 2 9.25%
9 Readycap Lending, LLC $4.8M 21 11.71%
10 Meridian Bank $4.5M 1 9.50%
11 Financial Resources Federal Credit Union $4.5M 1 9.25%
12 Byline Bank $4.2M 1 10.25%
13 Wallis Bank $3.1M 1 9.00%
14 T Bank, National Association $3.0M 1 10.25%
15 Leader Bank, National Association $3.0M 1 10.25%
16 Lendistry SBLC, LLC $2.9M 12 12.10%
17 Wells Fargo Bank National Association $2.9M 4 9.84%
18 Fulton Bank, National Association $2.8M 1 9.50%
19 U.S. Bank, National Association $2.8M 16 10.49%
20 TD Bank, National Association $2.6M 19 10.02%
21 Live Oak Banking Company $2.5M 4 9.87%
22 BayFirst National Bank $2.4M 18 12.25%
23 Zions Bank, A Division of $2.4M 8 9.91%
24 Sanibel Captiva Community Bank $2.3M 1 10.25%
25 JPMorgan Chase Bank, National Association $2.3M 10 11.84%
26 Harborstone CU $2.1M 1 10.00%
27 Fortis Bank $2.0M 1 9.50%
28 CenTrust Bank, A Division of SmartBiz Bank National Associat $1.8M 9 10.39%
29 Cadence Bank $1.8M 6 10.13%
30 American Bank of Commerce $1.6M 1 9.50%
31 Provident Bank $1.5M 3 9.92%
32 Manufacturers and Traders Trust Company $1.3M 12 12.17%
33 22nd State Bank, A Division of 22nd State Banking Company $1.3M 1 9.50%
34 Firstrust Savings Bank $1.3M 1 10.00%
35 Ixonia Bank $1.0M 1 7.32%
36 Capital One, National Association $1.0M 2 8.50%
37 Genesee Regional Bank $1.0M 1 9.50%
38 Citizens State Bank of La Crosse $1.0M 1 9.00%
39 City National Bank $880K 2 4.80%
40 Celtic Bank Corporation $852K 6 10.63%
41 Bankwell Bank $837K 2 6.75%
42 KeyBank National Association $796K 4 10.27%
43 Bank OZK $750K 2 9.50%
44 Citizens Bank, National Association $750K 2 10.25%
45 Accion Opportunity Fund Community Development $675K 2 10.13%
46 AMPAC Tri-State CDC, Inc. $556K 3 11.33%
47 Mission Valley Bank $550K 1 10.25%
48 City National Bank of Florida $525K 2 10.38%
49 MISSINGMAINBANKID $500K 1 9.65%
50 Webster Bank National Association $500K 1 9.00%

🚀 Best Lenders for Software Development Companies Startups

Starting a new custom computer programming services business? These lenders funded the most startup loans in this industry:

Rank Lender Startup Volume Loans Avg Rate
1 Newtek Bank, National Association $6.2M 9 11.28%
2 First Internet Bank of Indiana $3.5M 2 10.00%
3 Bank of America, National Association $3.4M 5 8.08%
4 Wells Fargo Bank National Association $2.5M 3 9.97%
5 Sanibel Captiva Community Bank $2.3M 1 10.25%
6 U.S. Bank, National Association $2.0M 6 10.45%
7 22nd State Bank, A Division of 22nd State Banking Company $1.3M 1 9.50%
8 Firstrust Savings Bank $1.3M 1 10.00%
9 Readycap Lending, LLC $1.0M 3 10.25%
10 East West Bank $900K 2 9.38%

🔄 Best Lenders for Software Development Companies Acquisitions

Looking to buy an existing custom computer programming services business? These lenders specialize in acquisition financing:

Rank Lender Acquisition Volume Loans Avg Rate
1 Meridian Bank $4.5M 1 9.50%
2 Financial Resources Federal Credit Union $4.5M 1 9.25%
3 Byline Bank $4.2M 1 10.25%
4 The Huntington National Bank $3.5M 5 9.08%
5 T Bank, National Association $3.0M 1 10.25%
6 Leader Bank, National Association $3.0M 1 10.25%
7 Live Oak Banking Company $1.6M 1 8.50%
8 Community Bank & Trust-West Georgia $1.3M 1 9.75%
9 Ixonia Bank $1.0M 1 7.32%
10 Citizens State Bank of La Crosse $1.0M 1 9.00%

🏢 Best Lenders for Existing Software Development Companies Businesses

Already running an established custom computer programming services business? These lenders have funded the most loans to existing businesses in your industry:

Rank Lender Volume Loans Avg Rate
1 Newtek Bank, National Association $27.9M 78 10.81%
2 Northeast Bank $7.6M 41 11.05%
3 Summit State Bank $5.0M 2 9.25%
4 Bank of America, National Association $4.3M 13 7.85%
5 East West Bank $4.2M 1 8.50%
6 Community Bank & Trust-West Georgia $4.1M 1 10.25%
7 Readycap Lending, LLC $3.8M 18 11.96%
8 First Internet Bank of Indiana $3.5M 2 10.00%
9 Wallis Bank $3.1M 1 9.00%
10 Lendistry SBLC, LLC $2.9M 12 12.10%

Top States for Software Development Companies SBA Loans

Here are the states with the highest SBA lending volume for Software Development Companies businesses:

Rank State Volume Loans
1 California $31.8M 60
2 Texas $23.0M 42
3 Florida $11.9M 40
4 New York $11.1M 35
5 Washington $8.5M 13
6 Colorado $7.8M 16
7 Virginia $6.9M 25
8 New Jersey $6.3M 22
9 Pennsylvania $6.0M 8
10 Missouri $6.0M 6
11 Wisconsin $5.8M 6
12 North Carolina $5.8M 6
13 Wyoming $5.6M 3
14 Georgia $5.5M 14
15 Illinois $2.8M 15
16 Nevada $2.5M 3
17 Maryland $2.2M 9
18 Utah $2.0M 5
19 Indiana $2.0M 8
20 Massachusetts $2.0M 10
21 Michigan $1.8M 10
22 Minnesota $1.3M 7
23 Ohio $1.1M 9
24 Oregon $1.1M 4
25 Arizona $799K 3
26 Iowa $700K 3
27 Idaho $675K 3
28 Connecticut $650K 2
29 Vermont $650K 3
30 Alabama $633K 3
31 Mississippi $540K 2
32 Louisiana $500K 2
33 Puerto Rico $500K 1
34 Kentucky $351K 2
35 Kansas $255K 2
36 New Hampshire $250K 1
37 Tennessee $150K 1
38 District of Columbia $150K 1
39 Oklahoma $135K 2
40 Delaware $45K 1
41 North Dakota $10K 1

Top Cities for Software Development Companies SBA Loans

Cheyenne, Wy

$5.6M
Volume

3
Loans

Los Angeles, Ca

$5.4M
Volume

5
Loans

Santa Monica, Ca

$5.0M
Volume

1
Loans

Saint Louis, Mo

$4.6M
Volume

2
Loans

Waxhaw, Nc

$4.5M
Volume

1
Loans

Fulshear, Tx

$4.2M
Volume

1
Loans

Woodland Hills, Ca

$4.2M
Volume

1
Loans

Houston, Tx

$3.6M
Volume

3
Loans

Austin, Tx

$3.6M
Volume

9
Loans

Irvine, Ca

$3.6M
Volume

5
Loans

Bothell, Wa

$3.5M
Volume

2
Loans

Oregon, Wi

$3.5M
Volume

2
Loans

Denver, Co

$3.4M
Volume

3
Loans

Hurst, Tx

$3.0M
Volume

1
Loans

Glen Rock, Pa

$2.8M
Volume

1
Loans

Pasadena, Ca

$2.5M
Volume

4
Loans

🤝 Why Use an SBA Broker for Software Development Companies Loans?

GoSBA Loans has extensive experience financing Software Development Companies businesses:

  • Industry expertise — we know which lenders specialize in Software Development Companies
  • Access to 86+ 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 Software Development Companies SBA Loan

Our team specializes in SBA financing for Software Development Companies businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Software Development Companies business? GoSBA Loans specializes in SBA loans for Software Development Companies businesses. Contact our industry specialists today for a free consultation.

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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.

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