Best SBA Lenders in Ogden, UT (2026)
2025 FOIA data: top lenders, rates & industries for Ogden SBA loans
SBA Loans in Ogden, Utah
Looking for an SBA loan in Ogden, Utah? Based on 2025 FOIA data, 54 SBA 7(a) loans were funded in Ogden totaling $17.2M, supporting an estimated 484 jobs. With 18 active lenders competing for business in the Ogden market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Ogden is $318K at an average rate of 10.36%. The top lender in Ogden is America First FCU, with the most-funded industry being Homes for the Elderly. See all Utah SBA lenders for statewide rankings.
SBA Loans in Ogden by Business Type
Whether you’re starting a new business in Ogden, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 38% of SBA loans in Ogden (12 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 2% (3 loans) — if you’re looking to buy a business in Ogden, this is a proven use case for SBA financing. Existing businesses make up 50% and typically receive the most favorable terms.
Top SBA Lenders in Ogden, UT (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Ogden businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | America First FCU | $3.5M | 7 | 8% |
| 2 | Byline Bank | $3.1M | 1 | 10.25% |
| 3 | Newtek Bank, National Association | $2.9M | 4 | 11.38% |
| 4 | Zions Bank, A Division of | $1.1M | 14 | 10.85% |
| 5 | Bank of Utah | $905K | 1 | 10.25% |
| 6 | Mountain America FCU | $880K | 1 | 7.05% |
| 7 | Live Oak Banking Company | $850K | 1 | 9% |
| 8 | Cache Valley Bank | $770K | 3 | 8.92% |
| 9 | Harvest Small Business Finance, LLC | $620K | 1 | 10.5% |
| 10 | Readycap Lending, LLC | $582K | 3 | 13% |
The top lenders in Ogden have direct experience with local businesses and understand the Ogden 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 Ogden 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 Ogden
One 5-minute application. 18+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Ogden
These are the industries that received the most SBA 7(a) funding in Ogden 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 |
|---|---|---|
| Homes for the Elderly | 1 | $3.1M |
| Telephone Answering Services | 2 | $1.8M |
| Retail Bakeries | 2 | $1.4M |
| General Automotive Repair | 2 | $1.1M |
| Car Washes | 2 | $1.0M |
| Doll, Toy, and Game Manufacturing | 1 | $905K |
| Electrical Contractors | 1 | $880K |
| All Other Personal Services | 2 | $809K |
| New Single-Family Housing Construction (except Operative Builders) | 1 | $750K |
| Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $620K |
Lenders with experience funding your specific industry in Ogden 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 Ogden
Option 1: Apply directly to one of the top Ogden 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 Ogden-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.
