Best SBA Lenders in Stafford, VA (2026)
2025 FOIA data: top lenders, rates & industries for Stafford SBA loans
SBA Loans in Stafford, Virginia
Looking for an SBA loan in Stafford, Virginia? Based on 2025 FOIA data, 25 SBA 7(a) loans were funded in Stafford totaling $15.9M, supporting an estimated 268 jobs. With 13 active lenders competing for business in the Stafford market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Stafford is $635K at an average rate of 10.33%. The top lender in Stafford is Live Oak Banking Company, with the most-funded industry being Veterinary Services. See all Virginia SBA lenders for statewide rankings.
SBA Loans in Stafford by Business Type
Whether you’re starting a new business in Stafford, 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 Stafford (4 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 14% (3 loans) — if you’re looking to buy a business in Stafford, this is a proven use case for SBA financing. Existing businesses make up 24% and typically receive the most favorable terms.
Top SBA Lenders in Stafford, VA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Stafford 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 | $6.5M | 3 | 8.91% |
| 2 | First National Bank of Pennsylvania | $4.2M | 2 | 7.37% |
| 3 | United Midwest Savings Bank National Association | $1.9M | 2 | 9.75% |
| 4 | Heritage Bank Inc | $796K | 1 | 10.75% |
| 5 | Northeast Bank | $792K | 4 | 11.19% |
| 6 | Newtek Bank, National Association | $500K | 2 | 10.5% |
| 7 | United Community Bank | $500K | 1 | 10.25% |
| 8 | Hanmi Bank | $242K | 1 | 9.25% |
| 9 | Atlantic Union Bank | $225K | 1 | 10.75% |
| 10 | Manufacturers and Traders Trust Company | $190K | 5 | 10.85% |
The top lenders in Stafford have direct experience with local businesses and understand the Stafford 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 Stafford 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 Stafford
One 5-minute application. 13+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Stafford
These are the industries that received the most SBA 7(a) funding in Stafford 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 |
|---|---|---|
| Veterinary Services | 1 | $5.0M |
| Child Day Care Services | 1 | $3.5M |
| Other Accounting Services | 1 | $1.7M |
| General Automotive Repair | 1 | $1.0M |
| Full-Service Restaurants | 1 | $796K |
| Used Car Dealers | 3 | $750K |
| Snack and Nonalcoholic Beverage Bars | 2 | $742K |
| Fitness and Recreational Sports Centers | 1 | $675K |
| Offices of Certified Public Accountants | 1 | $445K |
| Data Processing, Hosting, and Related Services | 3 | $430K |
Lenders with experience funding your specific industry in Stafford 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 Stafford
Option 1: Apply directly to one of the top Stafford 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 Stafford-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.
