Best SBA Lenders in San Tan Valley, AZ (2026)
2025 FOIA data: top lenders, rates & industries for San Tan Valley SBA loans
SBA Loans in San Tan Valley, Arizona
Looking for an SBA loan in San Tan Valley, Arizona? Based on 2025 FOIA data, 13 SBA 7(a) loans were funded in San Tan Valley totaling $12.2M, supporting an estimated 309 jobs. With 9 active lenders competing for business in the San Tan Valley market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in San Tan Valley is $935K at an average rate of 10.9%. The top lender in San Tan Valley is Live Oak Banking Company, with the most-funded industry being Automotive Body, Paint, and Interior Repair and Maintenance. See all Arizona SBA lenders for statewide rankings.
SBA Loans in San Tan Valley by Business Type
Whether you’re starting a new business in San Tan Valley, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 56% of SBA loans in San Tan Valley (4 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 41% (1 loans) — if you’re looking to buy a business in San Tan Valley, this is a proven use case for SBA financing. Existing businesses make up 2% and typically receive the most favorable terms.
Top SBA Lenders in San Tan Valley, AZ (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to San Tan Valley businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | $5.0M | 1 | 7.5% |
| 2 | Pathward National Association | $3.9M | 1 | 10% |
| 3 | Bank Five Nine | $2.4M | 1 | 8.5% |
| 4 | Arizona Financial Credit Union | $342K | 1 | 10.25% |
| 5 | Celtic Bank Corporation | $233K | 2 | 10.25% |
| 6 | United Midwest Savings Bank National Association | $150K | 1 | 10.25% |
| 7 | U.S. Bank, National Association | $62K | 2 | 11.37% |
| 8 | Wells Fargo Bank National Association | $50K | 3 | 12.67% |
| 9 | Mountain America FCU | $50K | 1 | 14% |
The top lenders in San Tan Valley have direct experience with local businesses and understand the San Tan Valley 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 Tan Valley 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 Tan Valley
One 5-minute application. 9+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in San Tan Valley
These are the industries that received the most SBA 7(a) funding in San Tan Valley 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 |
|---|---|---|
| Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $3.9M |
| Snack and Nonalcoholic Beverage Bars | 1 | $2.4M |
| Pet Care (except Veterinary) Services | 1 | $342K |
| Janitorial Services | 1 | $150K |
| Exterminating and Pest Control Services | 1 | $125K |
| Other Personal Care Services | 1 | $108K |
| Painting and Wall Covering Contractors | 1 | $50K |
| Commercial and Institutional Building Construction | 1 | $40K |
| Landscaping Services | 1 | $22K |
| Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi | 1 | $20K |
Lenders with experience funding your specific industry in San Tan Valley 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 Tan Valley
Option 1: Apply directly to one of the top San Tan Valley 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 Tan Valley-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
How many SBA loans were funded in San Tan Valley in 2025?
Can I get an SBA loan to start a business in San Tan Valley?
Who is the top SBA lender in San Tan Valley?
What is the average SBA loan rate in San Tan Valley?
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
