Best SBA Lenders in Everett, WA (2026)
2025 FOIA data: top lenders, rates & industries for Everett SBA loans
SBA Loans in Everett, Washington
Looking for an SBA loan in Everett, Washington? Based on 2025 FOIA data, 40 SBA 7(a) loans were funded in Everett totaling $38.0M, supporting an estimated 337 jobs. With 24 active lenders competing for business in the Everett market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Everett is $950K at an average rate of 10.36%. The top lender in Everett is Mountain Pacific Bank, with the most-funded industry being Child Day Care Services. See all Washington SBA lenders for statewide rankings.
SBA Loans in Everett by Business Type
Whether you’re starting a new business in Everett, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 4% of SBA loans in Everett (3 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 60% (10 loans) — if you’re looking to buy a business in Everett, this is a proven use case for SBA financing. Existing businesses make up 31% and typically receive the most favorable terms.
Top SBA Lenders in Everett, WA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Everett businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Mountain Pacific Bank | $8.4M | 3 | 8.5% |
| 2 | Live Oak Banking Company | $5.2M | 2 | 7.23% |
| 3 | PCB Bank | $5.0M | 1 | 8.5% |
| 4 | Southwestern National Bank | $3.9M | 1 | 9% |
| 5 | Readycap Lending, LLC | $2.8M | 4 | 12% |
| 6 | Newtek Bank, National Association | $2.7M | 1 | 10.5% |
| 7 | Bank of Hope | $1.4M | 1 | 8.5% |
| 8 | Climate First Bank | $1.3M | 1 | 10.25% |
| 9 | Gesa CU | $1.3M | 1 | 8.75% |
| 10 | Evolve Bank and Trust | $1.0M | 1 | 9.25% |
The top lenders in Everett have direct experience with local businesses and understand the Everett 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 Everett 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 Everett
One 5-minute application. 24+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Everett
These are the industries that received the most SBA 7(a) funding in Everett 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 |
|---|---|---|
| Child Day Care Services | 1 | $3.2M |
| Engineering Services | 1 | $2.7M |
| Elementary and Secondary Schools | 1 | $2.0M |
| Fitness and Recreational Sports Centers | 1 | $1.3M |
| Home Health Care Services | 1 | $1.3M |
| Homes for the Elderly | 1 | $1.0M |
| Supermarkets and Other Grocery (except Convenience) Stores | 3 | $955K |
| General Automotive Repair | 2 | $560K |
| Residential Remodelers | 3 | $419K |
| All Other Specialty Trade Contractors | 1 | $404K |
Lenders with experience funding your specific industry in Everett 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 Everett
Option 1: Apply directly to one of the top Everett 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 Everett-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
How many SBA loans were funded in Everett in 2025?
Can I get an SBA loan to start a business in Everett?
Who is the top SBA lender in Everett?
What is the average SBA loan rate in Everett?
Ready to Apply for an SBA Loan in Everett?
50+ lenders competing for your deal. Better rates, faster closing. No fees.
Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
