BlogRankingIndustryBest Home Remodeling Contractors SBA Lenders of 2026

Best Home Remodeling Contractors SBA Lenders of 2026

February 2, 2026
Industry, Ranking
5 min read

Best Home Remodeling Contractors SBA Lenders of 2026

$333.4M
Total Funded

1,545
Loans Approved

$216K
Avg Loan Size

10.77%
Avg Interest Rate

157
Active Lenders

SBA Loans for Home Remodeling Contractors Businesses

The Home Remodeling Contractors industry received $333.4M in SBA 7(a) loans across 1,545 businesses in 2025. With 157 lenders actively funding this industry, finding the right bank can make a significant difference in your rates and approval odds.

Working with an experienced SBA loan broker who understands the Home Remodeling Contractors industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Home Remodeling Contractors businesses is $216K with an average rate of 10.77%. Lenders who specialize in this industry often offer better terms and faster approvals.

SBA Loans by Business Type

Here’s how SBA 7(a) loans break down for Home Remodeling Contractors businesses by business stage:

🚀 Startups
26%
$88.2M • 406 loans

🏢 Existing Businesses
70%
$181.9M • 1081 loans

🔄 Business Acquisitions
4%
$62.8M • 55 loans

Top 50 SBA Lenders for Home Remodeling Contractors (2025)

These are the banks that funded the most SBA 7(a) loan volume to Home Remodeling Contractors businesses, ranked by total volume:

Rank Lender Volume Loans Avg Rate
1 Northeast Bank $22.9M 141 10.90%
2 The Huntington National Bank $21.1M 149 9.95%
3 United Midwest Savings Bank National Association $16.7M 75 10.20%
4 TD Bank, National Association $14.4M 162 10.60%
5 First Bank of the Lake $13.7M 30 10.44%
6 Readycap Lending, LLC $12.8M 62 11.88%
7 JPMorgan Chase Bank, National Association $12.4M 58 11.26%
8 Manufacturers and Traders Trust Company $11.3M 94 11.88%
9 First Internet Bank of Indiana $10.6M 9 9.92%
10 Lendistry SBLC, LLC $9.7M 43 12.05%
11 U.S. Bank, National Association $8.8M 164 10.85%
12 Live Oak Banking Company $7.7M 6 9.83%
13 Northwest Bank $7.3M 6 9.88%
14 Celtic Bank Corporation $7.2M 32 10.42%
15 BayFirst National Bank $7.2M 51 12.18%
16 Bank of America, National Association $6.5M 6 7.22%
17 CenTrust Bank, A Division of SmartBiz Bank National Associat $5.6M 29 11.59%
18 Wells Fargo Bank National Association $5.2M 29 12.00%
19 Cadence Bank $5.1M 15 10.22%
20 First Bank $5.0M 6 10.25%
21 Meridian Bank $5.0M 3 9.83%
22 Newtek Bank, National Association $4.7M 20 11.01%
23 Dogwood State Bank $4.6M 3 9.58%
24 Comerica Bank $4.5M 2 7.63%
25 Truliant FCU $4.3M 2 10.13%
26 All Capital Bank $4.2M 2 9.50%
27 22nd State Bank, A Division of 22nd State Banking Company $4.0M 2 9.88%
28 Zions Bank, A Division of $4.0M 24 10.91%
29 First Resource Bank $3.2M 3 8.75%
30 The Fidelity Bank $3.1M 2 9.88%
31 City National Bank $2.7M 2 7.21%
32 Port 51 Lending LLC $2.7M 3 9.92%
33 Plumas Bank $2.7M 1 7.75%
34 Grasshopper Bank National Association $2.5M 7 11.36%
35 Fulton Bank, National Association $2.5M 4 9.63%
36 United Community Bank $2.3M 3 9.58%
37 City National Bank of Florida $2.0M 5 10.25%
38 Capital Bank, National Association $2.0M 1 10.25%
39 SouthState Bank, National Association $2.0M 1 7.38%
40 Integro Bank $1.9M 2 10.38%
41 Columbia Bank $1.9M 44 12.41%
42 VelocitySBA, LLC $1.7M 1 10.00%
43 BankUnited, National Association $1.6M 1 7.50%
44 Simmons Bank $1.6M 2 9.50%
45 U.S. Century Bank $1.5M 1 10.25%
46 First Commonwealth Bank $1.5M 5 8.20%
47 Heritage Bank Inc $1.5M 4 10.38%
48 Old National Bank $1.4M 5 9.07%
49 First Savings Bank $1.4M 2 10.25%
50 Harvest Small Business Finance, LLC $1.4M 3 10.67%

🚀 Best Lenders for Home Remodeling Contractors Startups

Starting a new residential remodelers business? These lenders funded the most startup loans in this industry:

Rank Lender Startup Volume Loans Avg Rate
1 United Midwest Savings Bank National Association $13.7M 71 10.22%
2 First Bank of the Lake $12.9M 24 9.68%
3 The Huntington National Bank $11.2M 54 10.02%
4 Meridian Bank $5.0M 3 9.83%
5 All Capital Bank $4.2M 2 9.50%
6 Plumas Bank $2.7M 1 7.75%
7 First Internet Bank of Indiana $2.6M 2 9.50%
8 Northwest Bank $2.0M 2 9.25%
9 Celtic Bank Corporation $2.0M 4 9.94%
10 Integro Bank $1.9M 2 10.38%

🔄 Best Lenders for Home Remodeling Contractors Acquisitions

Looking to buy an existing residential remodelers business? These lenders specialize in acquisition financing:

Rank Lender Acquisition Volume Loans Avg Rate
1 First Internet Bank of Indiana $8.0M 7 10.04%
2 Live Oak Banking Company $6.5M 2 8.75%
3 Manufacturers and Traders Trust Company $5.6M 3 9.33%
4 First Bank $4.8M 5 10.10%
5 Dogwood State Bank $4.3M 2 9.63%
6 22nd State Bank, A Division of 22nd State Banking Company $4.0M 2 9.88%
7 Truliant FCU $3.2M 1 10.00%
8 The Fidelity Bank $2.9M 1 9.50%
9 First Resource Bank $2.7M 2 9.38%
10 Bank of America, National Association $2.5M 1 5.96%

🏢 Best Lenders for Existing Home Remodeling Contractors Businesses

Already running an established residential remodelers business? These lenders have funded the most loans to existing businesses in your industry:

Rank Lender Volume Loans Avg Rate
1 Northeast Bank $21.4M 126 10.86%
2 TD Bank, National Association $12.8M 123 10.51%
3 Readycap Lending, LLC $11.6M 57 11.96%
4 JPMorgan Chase Bank, National Association $11.4M 54 11.31%
5 Lendistry SBLC, LLC $9.7M 43 12.05%
6 The Huntington National Bank $7.9M 91 9.92%
7 U.S. Bank, National Association $7.9M 134 10.94%
8 BayFirst National Bank $6.4M 49 12.25%
9 CenTrust Bank, A Division of SmartBiz Bank National Associat $5.6M 29 11.59%
10 Northwest Bank $5.3M 4 10.19%

Top States for Home Remodeling Contractors SBA Loans

Here are the states with the highest SBA lending volume for Home Remodeling Contractors businesses:

Rank State Volume Loans
1 California $32.7M 151
2 Florida $29.7M 108
3 North Carolina $24.9M 48
4 New York $24.2M 135
5 Texas $20.9M 81
6 Pennsylvania $17.2M 68
7 Michigan $12.5M 53
8 Ohio $12.4M 69
9 Georgia $12.1M 40
10 New Jersey $11.8M 67
11 Colorado $10.6M 38
12 Illinois $9.0M 63
13 Minnesota $8.8M 33
14 Massachusetts $8.8M 48
15 Maryland $8.3M 39
16 Missouri $7.7M 21
17 Arizona $7.4M 29
18 Washington $7.0M 71
19 Oregon $6.8M 45
20 Tennessee $5.8M 22
21 South Carolina $5.3M 18
22 Virginia $5.0M 25
23 Kansas $4.7M 13
24 Utah $4.5M 30
25 Indiana $4.0M 25
26 Wisconsin $3.7M 24
27 Alabama $3.5M 5
28 Connecticut $3.4M 28
29 New Mexico $2.6M 4
30 Kentucky $2.2M 12
31 New Hampshire $2.0M 24
32 Mississippi $1.9M 3
33 Nevada $1.7M 8
34 Idaho $1.6M 15
35 Nebraska $1.3M 14
36 Louisiana $1.3M 7
37 Vermont $840K 7
38 Oklahoma $749K 4
39 Delaware $652K 8
40 Iowa $574K 6
41 Alaska $565K 3
42 Arkansas $443K 3
43 District of Columbia $420K 3
44 Rhode Island $415K 5
45 South Dakota $400K 4
46 Puerto Rico $300K 5
47 Hawaii $250K 1
48 North Dakota $241K 2
49 Maine $232K 6
50 Montana $185K 3

Top Cities for Home Remodeling Contractors SBA Loans

Philadelphia, Pa

$5.6M
Volume

11
Loans

Washington, Nc

$4.8M
Volume

5
Loans

Charlotte, Nc

$4.8M
Volume

7
Loans

Sarasota, Fl

$4.6M
Volume

3
Loans

Kansas City, Mo

$4.5M
Volume

3
Loans

Escondido, Ca

$4.5M
Volume

2
Loans

Hamburg, Ny

$4.2M
Volume

2
Loans

Dayton, Oh

$4.1M
Volume

5
Loans

Birmingham, Mi

$3.6M
Volume

2
Loans

Davidson, Nc

$3.5M
Volume

3
Loans

Dallas, Tx

$3.4M
Volume

5
Loans

Malvern, Pa

$3.4M
Volume

1
Loans

Houston, Tx

$3.3M
Volume

8
Loans

Rahway, Nj

$3.2M
Volume

1
Loans

Saratoga, Sc

$3.2M
Volume

2
Loans

Rancho Cordova, Ca

$3.0M
Volume

3
Loans

🤝 Why Use an SBA Broker for Home Remodeling Contractors Loans?

GoSBA Loans has extensive experience financing Home Remodeling Contractors businesses:

  • Industry expertise — we know which lenders specialize in Home Remodeling Contractors
  • Access to 157+ lenders — including banks that don’t accept direct applications
  • Better rates — our relationships help secure competitive terms
  • Faster approvals — proper preparation leads to quicker decisions
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Home Remodeling Contractors SBA Loan

Our team specializes in SBA financing for Home Remodeling Contractors businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Home Remodeling Contractors business? GoSBA Loans specializes in SBA loans for Home Remodeling Contractors businesses. Contact our industry specialists today for a free consultation.

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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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