BlogRankingCityBest Katy, TX SBA Lenders & Rates of 2026

Best Katy, TX SBA Lenders & Rates of 2026

February 2, 2026
City, Ranking
3 min read

Best Katy, TX SBA Lenders & Rates of 2026

$38.0M
Total Funded

92
Loans Approved

$413K
Avg Loan Size

10.19%
Avg Interest Rate

40
Active Lenders

SBA Loans in Katy, TX

Katy, TX businesses received $38.0M in SBA 7(a) loan approvals across 92 businesses in 2025. With 40 active SBA lenders competing for business in Katy, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Katy is $413K, with rates averaging 10.19%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Katy SBA Loans by Business Type

🚀 Startups
40%
$17.5M • 37 loans

🏢 Existing Businesses
55%
$18.3M • 51 loans

🔄 Acquisitions
4%
$2.2M • 4 loans

Top SBA Lenders in Katy, TX (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Katy businesses:

Rank Lender Volume Loans Avg Rate
1 Newtek Bank, National Association $6.2M 17 10.39%
2 Live Oak Banking Company $3.0M 3 9.94%
3 Zions Bank, A Division of $2.3M 4 10.13%
4 b1BANK $2.0M 3 9.33%
5 The Huntington National Bank $1.6M 4 10.00%
6 Midwest Regional Bank $1.6M 1 10.50%
7 Enterprise Bank & Trust $1.5M 1 8.50%
8 American Momentum Bank $1.3M 2 9.50%
9 Wallis Bank $1.3M 3 9.50%
10 JPMorgan Chase Bank, National Association $1.2M 2 8.20%
11 Meadows Bank $1.1M 1 8.50%
12 Grasshopper Bank National Association $994K 2 10.25%
13 Celtic Bank Corporation $913K 4 10.19%
14 Stellar Bank $910K 2 8.38%
15 Climate First Bank $900K 1 10.00%
16 Northeast Bank $795K 4 10.25%
17 Readycap Lending, LLC $754K 4 13.13%
18 ACC Capital $719K 1 10.25%
19 Cadence Bank $700K 1 10.00%
20 Hancock Whitney Bank $682K 1 9.50%
21 Texas Capital Bank $640K 1 6.75%
22 Hanover Community Bank $582K 1 9.00%
23 Lendistry SBLC, LLC $556K 4 12.25%
24 Global One Bank $500K 1 8.75%
25 Regions Bank $500K 1 8.50%
26 Bank of America, National Association $466K 2 8.29%
27 BayFirst National Bank $456K 2 11.25%
28 Dogwood State Bank $455K 1 9.50%
29 Magnifi Financial CU $371K 3 10.25%
30 Peoples Bank $350K 1 10.50%
31 PeopleFund $350K 1 10.00%
32 Lone Star National Bank $350K 1 9.25%
33 T Bank, National Association $349K 1 9.25%
34 Harvest Small Business Finance, LLC $327K 1 9.75%
35 Keystone Bank SSB $315K 1 10.00%
36 Bank of Hope $311K 1 9.25%
37 CDC Small Business Finance Corp. $250K 2 10.38%
38 22nd State Bank, A Division of 22nd State Banking Company $250K 1 10.25%
39 Frost Bank $170K 1 9.50%
40 Wells Fargo Bank National Association $60K 4 12.50%

Top Industries in Katy

Here are the industries that received the most SBA funding in Katy:

Sports and Recreation Instruction

$3.8M
Volume

3
Loans

Child Day Care Services

$2.1M
Volume

4
Loans

Full-Service Restaurants

$1.7M
Volume

4
Loans

General Automotive Repair

$1.4M
Volume

3
Loans

Offices of Lawyers

$1.3M
Volume

3
Loans

All Other Personal Services

$1.3M
Volume

5
Loans

SBA Loans in Texas

Katy is part of Texas‘s SBA lending market. For statewide data and more lender options, see our full Texas SBA Lenders guide.

🤝 Why Use an SBA Broker in Katy?

GoSBA Loans helps Katy businesses access the best SBA lenders:

  • Access 40+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Katy
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Katy SBA Loan

Our team has helped hundreds of Katy businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in Katy? GoSBA Loans is a trusted SBA loan broker serving businesses in Katy and across Texas. Contact our Katy SBA specialists today for a free consultation.

Explore More SBA Markets

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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