Best SBA Lenders in Pearland, TX (2026)
2025 FOIA data: top lenders, rates & industries for Pearland SBA loans
SBA Loans in Pearland, Texas
Looking for an SBA loan in Pearland, Texas? Based on 2025 FOIA data, 26 SBA 7(a) loans were funded in Pearland totaling $16.5M, supporting an estimated 221 jobs. With 19 active lenders competing for business in the Pearland market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Pearland is $636K at an average rate of 9.76%. The top lender in Pearland is Texas Capital Bank, with the most-funded industry being Child and Youth Services. See all Texas SBA lenders for statewide rankings.
SBA Loans in Pearland by Business Type
Whether you’re starting a new business in Pearland, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 13% of SBA loans in Pearland (3 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 7% (2 loans) — if you’re looking to buy a business in Pearland, this is a proven use case for SBA financing. Existing businesses make up 45% and typically receive the most favorable terms.
Top SBA Lenders in Pearland, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Pearland businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Texas Capital Bank | $4.7M | 1 | 6.25% |
| 2 | The Bancorp Bank National Association | $3.7M | 3 | 8.42% |
| 3 | Centerstone SBA Lending, Inc. | $2.1M | 1 | 10.5% |
| 4 | b1BANK | $1.7M | 1 | 9% |
| 5 | Celtic Bank Corporation | $1.0M | 1 | 9.5% |
| 6 | Merchants & Marine Bank | $600K | 2 | 10.25% |
| 7 | Regions Bank | $500K | 1 | 8.8% |
| 8 | Zions Bank, A Division of | $477K | 2 | 8.5% |
| 9 | First Commonwealth Bank | $340K | 1 | 10.5% |
| 10 | Capital Certified Development Corporation | $249K | 2 | 9% |
The top lenders in Pearland have direct experience with local businesses and understand the Pearland 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 Pearland 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 Pearland
One 5-minute application. 19+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Pearland
These are the industries that received the most SBA 7(a) funding in Pearland 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 and Youth Services | 1 | $4.7M |
| Car Washes | 2 | $3.3M |
| Child Day Care Services | 2 | $2.6M |
| Tax Preparation Services | 1 | $1.0M |
| Offices of Dentists | 2 | $600K |
| Offices of Chiropractors | 3 | $447K |
| Limited-Service Restaurants | 1 | $342K |
| Snack and Nonalcoholic Beverage Bars | 1 | $340K |
| Home Health Care Services | 1 | $230K |
| Full-Service Restaurants | 1 | $200K |
Lenders with experience funding your specific industry in Pearland 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 Pearland
Option 1: Apply directly to one of the top Pearland 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 Pearland-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.
