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SBA lenders

SBA lenders and certified development companies lend it. They look at cash flow coverage, owner equity and character. 300 lenders offer SBA 7(a) and 504 loans across the US and Canada, usually from $50k to $5M. Last checked Nov 1, 2026.

lenders
300
loan officers
2
verified
2
places
46

Who lends it and what they look for

Banks, credit unions, CDFIs and licensed nonbank lenders make SBA 7(a) loans, and the SBA guarantees part of each one. 504 loans pair a bank with a certified development company for real estate and major equipment. Preferred lenders approve in house and close fastest. Underwriters want cash flow that covers the payment with room to spare, an owner cash injection, good personal credit and a clear use of funds. Expect three years of returns, a debt schedule and personal financial statements.

Read the guide: SBA 7(a) loans: how the program works and which lenders to approach4 min
Verified first, then claimed, then listed. Rank is never sold.How sorting works
BF
Bank Five NineLevr partner
Bank Five Nine combines conventional business credit with SBA financing for acquisitions, working capital and owner-occupied property. Its SBA page identifies Preferred Lender status.
BanksBusiness acquisition loansCommercial real estate loans
Oconomowoc, WI
CB
CityFirst BankLevr partner
City First Bank finances businesses, nonprofits and community development projects, including equipment, expansion, receivables-backed credit and commercial property. It describes itself as a for-profit CDFI bank.
CDFIs and community lendersCommercial real estate loansEquipment financing
Los Angeles, CA
1S
1st Security Bank of WashingtonListed
1st Security Bank of Washington provides commercial operating lines, term debt, property finance and SBA lending, with specialized programs for professional practices and nonprofits.
BanksBusiness lines of creditTerm loansUnclaimed
Mountlake Terrace, WA
1S
1st Source BankListed
1st Source Bank offers acquisition, equipment and commercial-property financing with published maximum financing percentages and repayment periods. Revolving lines may be secured or unsecured based on the business’s financial position.
BanksBusiness acquisition loansCommercial real estate loansUnclaimed
South Bend, IN
Addison County Economic Development Corporation logo
Addison County Economic Development CorporationListed
Addison County Economic Development Corporation provides fixed-rate gap loans for Addison County business startups, expansion, equipment, facilities and long-term working capital.
Direct business lendersTerm loansWorking capital loansUnclaimed
Middlebury, VT
Aequum Capital logo
Aequum CapitalListed
Aequum Capital Financial provides senior secured asset-based and cash-flow credit for U.S. middle-market companies, including growth, refinancing, acquisitions and turnarounds.
Asset based lendersTerm loansBusiness lines of creditUnclaimed
Chicago, IL
AG
Alaska Growth CapitalListed
Alaska Growth Capital provides SBA and USDA-backed business finance for Alaska and selected northwestern markets, including borrowers with limited collateral but adequate cash flow.
Direct business lendersTerm loansWorking capital loansUnclaimed
Anchorage, AK
AF
Alerus Financial, National AssociationListed
Alerus provides business term loans and revolving credit alongside equipment, commercial property and SBA financing. Its SBA offering includes 7(a), 504, Express and working-capital programs.
BanksTerm loansBusiness lines of creditUnclaimed
Grand Forks, ND
Alma Bank logo
Alma BankListed
ALMA Bank offers operating lines, equipment term loans and owner-occupied property finance alongside SBA-backed business lending.
BanksBusiness lines of creditTerm loansUnclaimed
Astoria, NY
Altura Community Consulting & Business Finance logo
Altura Community Consulting & Business FinanceListed
Altura Community Consulting & Business Finance administers SBA 504 and revolving-fund loans for eligible Idaho businesses, often alongside a bank lender.
Direct business lendersSBA 504 loansCommercial real estate loansUnclaimed
Rexburg, ID
AB
American Bank of CommerceListed
American Bank of Commerce offers Texas and Colorado businesses conventional working-capital financing and SBA 7(a), 504 and Express loans.
BanksBusiness acquisition loansCommercial real estate loansUnclaimed
Wolfforth, TX
AF
American First National BankListed
American First National Bank offers conventional commercial credit and import/export finance. Its menu includes business acquisition or refinancing, equipment, CD-secured loans and an Ex-Im working-capital program.
BanksBusiness acquisition loansEquipment financingUnclaimed
Houston, TX
American Momentum Bank logo
American Momentum BankListed
American Momentum Bank offers secured business lines, term and equipment loans, commercial real estate credit and SBA financing. Receivables and inventory lines are also available for operating liquidity.
BanksTerm loansBusiness lines of creditUnclaimed
College Station, TX
AS
American State BankListed
American State Bank offers business operating lines and SBA financing, with separate agricultural credit for farm investment and growth.
BanksBusiness lines of creditWorking capital loansUnclaimed
Sioux Center, IA
Amerisource Business Capital logo
Amerisource Business CapitalListed
Amerisource Business Capital is an independent direct lender for small and lower-middle-market companies. It provides asset-based and cash-flow credit for growth, acquisitions, restructuring and special situations.
Direct business lendersAsset based lendingBusiness acquisition loansUnclaimed
Houston, TX
Atlantic Union Bank logo
Atlantic Union BankListed
Atlantic Union Bank offers conventional credit and an SBA team with a defined multistate service area. Its SBA page expressly considers new businesses and acquisitions, while documenting the financial records typically requested.
BanksBusiness acquisition loansCommercial real estate loansUnclaimed
Richmond City, VA
Austin Bank, Texas National Association logo
Austin Bank, Texas National AssociationListed
Austin Bank finances businesses across East and Southeast Texas with revolving working-capital lines, equipment and machinery loans, construction and real estate credit, and acquisition financing.
BanksTerm loansBusiness lines of creditUnclaimed
Jacksonville, TX
AC
Auxilior Capital PartnersListed
Auxilior Capital Partners finances franchise growth, equipment deployment, remodels and acquisitions, including tailored programs for franchisors and manufacturers.
Direct business lendersFranchise financingEquipment financingUnclaimed
Plymouth Meeting, PA
BC
Balboa CapitalListed
Balboa Capital’s website now presents Ameris Bank Equipment Finance. Its current products include equipment financing, short-term business loans and SBA financing. Eligibility differs by product, and its business-loan page contains conflicting minimums that applicants should confirm.
Equipment lessorsEquipment financingTerm loansUnclaimed
Costa Mesa, CA
BO
Banc of CaliforniaListed
Banc of California offers substantial small-business financing with specialist programs for franchises, healthcare, veterinary and insurance businesses. Its published range spans multiple loan structures.
BanksBusiness acquisition loansCommercial real estate loansUnclaimed
Los Angeles, CA
B
BancFirstListed
BancFirst finances Oklahoma businesses through conventional commercial lending and its Commercial Capital SBA division. Its sector offerings include energy and agribusiness, alongside equipment and working-capital finance.
BanksBusiness lines of creditSBA 7(a) loansUnclaimed
Oklahoma City, OK
BU
Banesco USAListed
Banesco USA provides commercial term loans, lines of credit, real estate and equipment finance, plus SBA 7(a) and USDA business lending. Its SBA team serves Florida, Puerto Rico and businesses nationwide.
BanksTerm loansBusiness lines of creditUnclaimed
Miami, FL
BF
Bank First, N.A.Listed
Bank First finances operating cash flow, equipment, expansion and commercial property, with explicit SBA 7(a) and 504 options for small businesses.
BanksBusiness lines of creditWorking capital loansUnclaimed
Manitowoc, WI
BI
Bank IowaListed
Bank Iowa offers business term, construction, property and agricultural loans, with working-capital borrowing for seasonal and operating needs.
BanksCommercial real estate loansEquipment financingUnclaimed
West Des Moines, IA

Who offers SBA 7(a) and 504 loans?

Banks, credit unions, CDFIs and nonbank SBA lenders make 7(a) loans. 504 loans pair a bank with a certified development company.

What do SBA lenders look for?

Cash flow that covers the payment with a cushion, an owner cash injection, good personal credit, relevant experience and a clear use of funds.

How does a lender get on the register?

Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.

How many SBA lenders are on the register?

300 today, with 2 loan officers who work at them, across the US and Canada. Any lender can claim its entry and correct its details.