Best SBA Lenders in Tempe, AZ (2026)
2025 FOIA data: top lenders, rates & industries for Tempe SBA loans
SBA Loans in Tempe, Arizona
Looking for an SBA loan in Tempe, Arizona? Based on 2025 FOIA data, 72 SBA 7(a) loans were funded in Tempe totaling $44.6M, supporting an estimated 929 jobs. With 33 active lenders competing for business in the Tempe market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Tempe is $620K at an average rate of 10.52%. The top lender in Tempe is InBank, with the most-funded industry being General Automotive Repair. See all Arizona SBA lenders for statewide rankings.
SBA Loans in Tempe by Business Type
Whether you’re starting a new business in Tempe, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 6% of SBA loans in Tempe (9 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 44% (10 loans) — if you’re looking to buy a business in Tempe, this is a proven use case for SBA financing. Existing businesses make up 29% and typically receive the most favorable terms.
Top SBA Lenders in Tempe, AZ (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Tempe businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | InBank | $4.7M | 1 | 10.5% |
| 2 | Integro Bank | $4.5M | 2 | 10.25% |
| 3 | UMB Bank, National Association | $4.3M | 1 | 8% |
| 4 | Newtek Bank, National Association | $4.0M | 5 | 11.2% |
| 5 | Midwest Regional Bank | $3.2M | 3 | 10.25% |
| 6 | Capital Community Bank | $2.6M | 1 | 10% |
| 7 | MidFirst Bank | $2.5M | 1 | 7.5% |
| 8 | Wells Fargo Bank National Association | $2.2M | 3 | 9.34% |
| 9 | Northeast Bank | $1.9M | 13 | 11.58% |
| 10 | St. Louis Bank | $1.9M | 1 | 10.25% |
The top lenders in Tempe have direct experience with local businesses and understand the Tempe 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 Tempe 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 Tempe
One 5-minute application. 33+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Tempe
These are the industries that received the most SBA 7(a) funding in Tempe 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 |
|---|---|---|
| General Automotive Repair | 2 | $5.0M |
| Passenger Car Rental | 1 | $4.7M |
| All Other Specialty Trade Contractors | 2 | $4.6M |
| Elementary and Secondary Schools | 2 | $2.8M |
| Commercial Gravure Printing | 1 | $2.5M |
| Used Car Dealers | 1 | $2.5M |
| Finish Carpentry Contractors | 2 | $2.3M |
| Residential Remodelers | 3 | $2.0M |
| Fitness and Recreational Sports Centers | 5 | $1.7M |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 1 | $1.2M |
Lenders with experience funding your specific industry in Tempe 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 Tempe
Option 1: Apply directly to one of the top Tempe 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 Tempe-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.
