Best SBA Lenders in Cypress, TX (2026)
2025 FOIA data: top lenders, rates & industries for Cypress SBA loans
SBA Loans in Cypress, Texas
Looking for an SBA loan in Cypress, Texas? Based on 2025 FOIA data, 80 SBA 7(a) loans were funded in Cypress totaling $40.6M, supporting an estimated 1,055 jobs. With 39 active lenders competing for business in the Cypress market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Cypress is $508K at an average rate of 10.22%. The top lender in Cypress is Zions Bank, A Division of, with the most-funded industry being Fitness and Recreational Sports Centers. See all Texas SBA lenders for statewide rankings.
SBA Loans in Cypress by Business Type
Whether you’re starting a new business in Cypress, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 43% of SBA loans in Cypress (24 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 6% (5 loans) — if you’re looking to buy a business in Cypress, this is a proven use case for SBA financing. Existing businesses make up 33% and typically receive the most favorable terms.
Top SBA Lenders in Cypress, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Cypress businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Zions Bank, A Division of | $7.1M | 6 | 8.42% |
| 2 | Frost Bank | $3.6M | 4 | 8.5% |
| 3 | The Huntington National Bank | $3.1M | 7 | 9.96% |
| 4 | United Community Bank | $3.0M | 2 | 9.62% |
| 5 | Newtek Bank, National Association | $3.0M | 10 | 11% |
| 6 | Hancock Whitney Bank | $2.3M | 2 | 9.88% |
| 7 | Texas Capital Bank | $2.2M | 1 | 8% |
| 8 | Byline Bank | $1.6M | 2 | 10.25% |
| 9 | The Bancorp Bank National Association | $1.2M | 2 | 9% |
| 10 | Bank of America, National Association | $1.2M | 1 | 6.3% |
The top lenders in Cypress have direct experience with local businesses and understand the Cypress 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 Cypress 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 Cypress
One 5-minute application. 39+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Cypress
These are the industries that received the most SBA 7(a) funding in Cypress 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 |
|---|---|---|
| Fitness and Recreational Sports Centers | 5 | $7.7M |
| Landscaping Services | 3 | $4.6M |
| Sports and Recreation Instruction | 3 | $3.5M |
| Child Day Care Services | 4 | $3.1M |
| Limited-Service Restaurants | 4 | $2.2M |
| Other Scientific and Technical Consulting Services | 1 | $1.8M |
| Other Computer Related Services | 2 | $1.7M |
| Full-Service Restaurants | 3 | $1.6M |
| Offices of Dentists | 3 | $1.6M |
| Private Mail Centers | 2 | $1.1M |
Lenders with experience funding your specific industry in Cypress 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 Cypress
Option 1: Apply directly to one of the top Cypress 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 Cypress-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.
