Best SBA Lenders in Irving, TX (2026)
2025 FOIA data: top lenders, rates & industries for Irving SBA loans
SBA Loans in Irving, Texas
Looking for an SBA loan in Irving, Texas? Based on 2025 FOIA data, 65 SBA 7(a) loans were funded in Irving totaling $45.9M, supporting an estimated 792 jobs. With 32 active lenders competing for business in the Irving market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Irving is $707K at an average rate of 10.09%. The top lender in Irving is Global One Bank, with the most-funded industry being Hotels (except Casino Hotels) and Motels. See all Texas SBA lenders for statewide rankings.
SBA Loans in Irving by Business Type
Whether you’re starting a new business in Irving, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 22% of SBA loans in Irving (11 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 18% (6 loans) — if you’re looking to buy a business in Irving, this is a proven use case for SBA financing. Existing businesses make up 59% and typically receive the most favorable terms.
Top SBA Lenders in Irving, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Irving businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Global One Bank | $5.8M | 2 | 8.62% |
| 2 | The Huntington National Bank | $5.6M | 6 | 9.52% |
| 3 | Mission Valley Bank | $5.0M | 1 | 9% |
| 4 | Readycap Lending, LLC | $4.1M | 4 | 11.5% |
| 5 | First Bank of the Lake | $3.1M | 2 | 9.75% |
| 6 | Comerica Bank | $2.6M | 3 | 8.33% |
| 7 | Bank of America, National Association | $2.2M | 4 | 6.41% |
| 8 | Wells Fargo Bank National Association | $1.6M | 4 | 11.55% |
| 9 | Bank of Hope | $1.5M | 1 | 9% |
| 10 | JPMorgan Chase Bank, National Association | $1.4M | 3 | 9.79% |
The top lenders in Irving have direct experience with local businesses and understand the Irving 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 Irving 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 Irving
One 5-minute application. 32+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Irving
These are the industries that received the most SBA 7(a) funding in Irving 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 |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 3 | $10.2M |
| General Automotive Repair | 4 | $4.1M |
| Roofing, Siding, and Insulation Material Merchant Wholesalers | 2 | $3.9M |
| Full-Service Restaurants | 4 | $3.3M |
| Supermarkets and Other Grocery (except Convenience) Stores | 1 | $2.4M |
| Snack and Nonalcoholic Beverage Bars | 4 | $1.8M |
| Wholesale Trade Agents and Brokers | 1 | $1.5M |
| Limited-Service Restaurants | 1 | $1.5M |
| Janitorial Services | 2 | $1.4M |
| Computer Systems Design Services | 1 | $1.1M |
Lenders with experience funding your specific industry in Irving 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 Irving
Option 1: Apply directly to one of the top Irving 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 Irving-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.
