Best SBA Lenders in San Juan, PR (2026)
2025 FOIA data: top lenders, rates & industries for San Juan SBA loans
SBA Loans in San Juan, PR
Looking for an SBA loan in San Juan, PR? Based on 2025 FOIA data, 94 SBA 7(a) loans were funded in San Juan totaling $17.9M, supporting an estimated 1,097 jobs. With 5 active lenders competing for business in the San Juan market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in San Juan is $190K at an average rate of 10.61%. The top lender in San Juan is Banco Popular de Puerto Rico, with the most-funded industry being Diagnostic Imaging Centers. See all PR SBA lenders for statewide rankings.
SBA Loans in San Juan by Business Type
Whether you’re starting a new business in San Juan, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 14% of SBA loans in San Juan (14 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 0% (1 loans) — if you’re looking to buy a business in San Juan, this is a proven use case for SBA financing. Existing businesses make up 62% and typically receive the most favorable terms.
Top SBA Lenders in San Juan, PR (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to San Juan businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Banco Popular de Puerto Rico | $12.5M | 61 | 11.06% |
| 2 | Oriental Bank | $3.3M | 17 | 8.6% |
| 3 | FirstBank Puerto Rico | $1.4M | 13 | 11.6% |
| 4 | Economic Development Bank for Puerto Rico | $548K | 2 | 8.75% |
| 5 | Corp. Financiamiento Empresarial del Comercio y Comunidades | $86K | 1 | 8.5% |
The top lenders in San Juan have direct experience with local businesses and understand the San Juan 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 San Juan 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 San Juan
One 5-minute application. 5+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in San Juan
These are the industries that received the most SBA 7(a) funding in San Juan 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 |
|---|---|---|
| Diagnostic Imaging Centers | 2 | $1.6M |
| Other Specialized Design Services | 1 | $1.5M |
| Offices of Physical, Occupational and Speech Therapists, and Audiologi | 4 | $1.4M |
| Offices of Physicians (except Mental Health Specialists) | 9 | $1.4M |
| Nonresidential Property Managers | 2 | $1.4M |
| Full-Service Restaurants | 11 | $1.3M |
| Offices of Lawyers | 3 | $552K |
| Rooming and Boarding Houses | 1 | $500K |
| Limited-Service Restaurants | 4 | $497K |
| Offices of All Other Miscellaneous Health Practitioners | 1 | $489K |
Lenders with experience funding your specific industry in San Juan 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 San Juan
Option 1: Apply directly to one of the top San Juan 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 San Juan-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.
