BlogRankingIndustryBest Roofing Contractors SBA Lenders of 2026

Best Roofing Contractors SBA Lenders of 2026

February 2, 2026
Industry, Ranking
5 min read

Best Roofing Contractors SBA Lenders of 2026

$182.2M
Total Funded

382
Loans Approved

$477K
Avg Loan Size

10.22%
Avg Interest Rate

109
Active Lenders

SBA Loans for Roofing Contractors Businesses

The Roofing Contractors industry received $182.2M in SBA 7(a) loans across 382 businesses in 2025. With 109 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 Roofing Contractors industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Roofing Contractors businesses is $477K with an average rate of 10.22%. 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 Roofing Contractors businesses by business stage:

🚀 Startups
18%
$24.1M • 70 loans

🏢 Existing Businesses
70%
$104.2M • 266 loans

🔄 Business Acquisitions
12%
$53.6M • 45 loans

Top 50 SBA Lenders for Roofing Contractors (2025)

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

Rank Lender Volume Loans Avg Rate
1 Live Oak Banking Company $11.2M 9 9.28%
2 First Internet Bank of Indiana $10.7M 9 9.97%
3 Readycap Lending, LLC $8.9M 22 11.16%
4 Newtek Bank, National Association $7.2M 18 11.35%
5 Pathward National Association $7.0M 4 9.94%
6 Northeast Bank $6.7M 34 10.70%
7 First Bank of the Lake $6.0M 4 9.75%
8 The Huntington National Bank $5.8M 28 9.65%
9 Wells Fargo Bank National Association $5.6M 12 10.07%
10 Gulf Coast Bank and Trust Company $5.6M 4 10.31%
11 Port 51 Lending LLC $4.7M 3 10.33%
12 Texas Capital Bank $3.9M 2 6.75%
13 First American Bank $3.9M 2 8.16%
14 Regent Bank $3.8M 1 9.50%
15 Citizens Bank $3.8M 1 9.25%
16 JPMorgan Chase Bank, National Association $3.5M 13 10.80%
17 Truliant FCU $3.5M 4 10.25%
18 The Croghan Colonial Bank $3.5M 1 8.64%
19 Celtic Bank Corporation $3.3M 6 10.54%
20 The Dart Bank $3.1M 1 7.95%
21 MidWestOne Bank $3.0M 1 8.00%
22 Midwest Regional Bank $2.9M 1 10.25%
23 Byline Bank $2.8M 2 10.25%
24 U.S. Bank, National Association $2.8M 21 11.19%
25 United Midwest Savings Bank National Association $2.7M 3 9.83%
26 Wintrust Bank National Association $2.7M 2 7.12%
27 First-Citizens Bank & Trust Company $2.4M 3 9.42%
28 Mountain America FCU $2.3M 3 9.47%
29 MidFirst Bank $2.2M 1 6.65%
30 TD Bank, National Association $2.0M 22 10.73%
31 Texas Partners Bank $2.0M 1 7.50%
32 Washington Trust Bank $2.0M 3 8.50%
33 Comerica Bank $1.9M 2 7.75%
34 Lendistry SBLC, LLC $1.7M 7 12.00%
35 Harvest Small Business Finance, LLC $1.6M 3 10.08%
36 Union Bank and Trust Company $1.6M 2 7.88%
37 Firstrust Savings Bank $1.5M 1 9.50%
38 Security National Bank of Omaha $1.5M 2 9.75%
39 ESL FCU $1.4M 2 7.13%
40 Cadence Bank $1.3M 4 10.25%
41 Stock Yards Bank & Trust Company $1.2M 2 8.00%
42 BankUnited, National Association $1.1M 1 7.50%
43 Fulton Bank, National Association $1.1M 1 10.00%
44 The Fidelity Bank $1.1M 2 9.88%
45 BayFirst National Bank $1.1M 7 12.25%
46 North State Bank $1.0M 1 9.75%
47 Brookline Bank, a Division of Beacon Bank and Trust $1.0M 2 9.88%
48 Seacoast National Bank $1.0M 1 10.25%
49 American Community Bank of Indiana $1.0M 1 10.50%
50 St. Louis Bank $1.0M 1 10.00%

🚀 Best Lenders for Roofing Contractors Startups

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

Rank Lender Startup Volume Loans Avg Rate
1 Wells Fargo Bank National Association $4.1M 11 10.44%
2 Texas Capital Bank $3.9M 2 6.75%
3 Byline Bank $2.8M 2 10.25%
4 First Internet Bank of Indiana $2.8M 2 10.00%
5 Washington Trust Bank $1.5M 2 8.50%
6 Pathward National Association $1.0M 1 10.00%
7 First-Citizens Bank & Trust Company $970K 1 9.75%
8 First State Bank Nebraska $739K 1 9.00%
9 First Bank of the Lake $658K 2 10.00%
10 U.S. Bank, National Association $577K 5 10.46%

🔄 Best Lenders for Roofing Contractors Acquisitions

Looking to buy an existing roofing contractors business? These lenders specialize in acquisition financing:

Rank Lender Acquisition Volume Loans Avg Rate
1 Pathward National Association $6.0M 3 9.92%
2 Live Oak Banking Company $5.4M 4 8.81%
3 First Internet Bank of Indiana $4.8M 5 10.05%
4 First American Bank $3.9M 2 8.16%
5 Regent Bank $3.8M 1 9.50%
6 The Croghan Colonial Bank $3.5M 1 8.64%
7 Midwest Regional Bank $2.9M 1 10.25%
8 Truliant FCU $2.9M 3 10.25%
9 Port 51 Lending LLC $2.4M 1 10.25%
10 United Midwest Savings Bank National Association $2.3M 2 9.75%

🏢 Best Lenders for Existing Roofing Contractors Businesses

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

Rank Lender Volume Loans Avg Rate
1 Readycap Lending, LLC $8.4M 20 11.28%
2 Northeast Bank $6.6M 32 10.61%
3 Gulf Coast Bank and Trust Company $5.6M 4 10.31%
4 Newtek Bank, National Association $5.6M 16 11.45%
5 Live Oak Banking Company $5.5M 4 10.00%
6 First Bank of the Lake $5.3M 2 9.50%
7 Citizens Bank $3.8M 1 9.25%
8 JPMorgan Chase Bank, National Association $3.5M 13 10.80%
9 Celtic Bank Corporation $3.3M 6 10.54%
10 First Internet Bank of Indiana $3.1M 2 9.75%

Top States for Roofing Contractors SBA Loans

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

Rank State Volume Loans
1 California $24.5M 37
2 Texas $19.8M 37
3 Florida $16.4M 35
4 Colorado $15.5M 19
5 Utah $12.2M 13
6 Ohio $10.1M 28
7 Michigan $7.6M 20
8 Nebraska $7.3M 5
9 New York $7.0M 18
10 Oregon $6.9M 13
11 Illinois $6.6M 14
12 Missouri $5.8M 9
13 Arizona $4.5M 5
14 Wyoming $4.4M 2
15 North Carolina $3.8M 9
16 Virginia $3.3M 8
17 Indiana $2.9M 8
18 Pennsylvania $2.8M 13
19 New Jersey $2.1M 9
20 South Carolina $1.8M 3
21 Washington $1.7M 11
22 Oklahoma $1.5M 3
23 Georgia $1.4M 2
24 Connecticut $1.4M 6
25 Maryland $1.3M 3
26 Massachusetts $1.2M 8
27 Alabama $1.0M 3
28 Minnesota $1.0M 4
29 Wisconsin $901K 4
30 Kentucky $859K 5
31 New Hampshire $750K 4
32 Arkansas $665K 4
33 Tennessee $600K 2
34 Idaho $552K 3
35 North Dakota $500K 2
36 Hawaii $350K 2
37 New Mexico $311K 2
38 Maine $285K 2
39 Louisiana $200K 1
40 Kansas $200K 2
41 Montana $150K 1
42 Mississippi $70K 2
43 Nevada $35K 1

Top Cities for Roofing Contractors SBA Loans

Orange, Ca

$7.4M
Volume

3
Loans

Salt Lake City, Ut

$5.8M
Volume

2
Loans

Sandy, Ut

$5.1M
Volume

3
Loans

Gering, Ne

$5.0M
Volume

2
Loans

Houston, Tx

$4.7M
Volume

6
Loans

Buffalo, Wy

$4.3M
Volume

1
Loans

Castle Rock, Co

$4.1M
Volume

3
Loans

Chicago, Il

$3.9M
Volume

2
Loans

Springfield, Mo

$3.8M
Volume

2
Loans

Brecksville, Oh

$3.5M
Volume

1
Loans

Hayward, Ca

$3.3M
Volume

1
Loans

Delray Beach, Fl

$3.1M
Volume

2
Loans

Burton, Mi

$3.1M
Volume

1
Loans

Berthoud, Co

$3.0M
Volume

1
Loans

Aledo, Tx

$2.9M
Volume

3
Loans

North Chesterfield, Va

$2.9M
Volume

3
Loans

🤝 Why Use an SBA Broker for Roofing Contractors Loans?

GoSBA Loans has extensive experience financing Roofing Contractors businesses:

  • Industry expertise — we know which lenders specialize in Roofing Contractors
  • Access to 109+ 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 Roofing Contractors SBA Loan

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

Need SBA financing for your Roofing Contractors business? GoSBA Loans specializes in SBA loans for Roofing 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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