SBARates.com Find a Lender-- Find a Loan
Find the best SBA lenders, rates, loan types, and resources at SBARates.com your ultimate directory for Small Business Administration (SBA) loans. Compare current SBA loan rates, explore approved lenders, search by NAICS code, and discover funding options
The Bank of Missouri (MO)
Take advantage of various competitive personal and business deposit accounts and loans that are offered by The Bank of Missouri. Visit our website today.
The Bank of Houston (MO)
This is the home page for the Bank of Houston. Get updates on our highlighted products and promotions and sign into eBanking from the top of the page.
The Bank of Commerce (ID)
The Bancorp Bank National Association (SD)
For over 20 years, The Bancorp has been providing nonbank companies with the people, processes and banking technology that are essential in meeting their individual needs
The American National Bank of Texas (TX)
Discover a better financial future with American National Bank of Texas. We offer commercial, business and personal banking plus mortgage and wealth solutions.
Texas Capital Bank (TX)
Bank boldly with Texas Capital.
Texas Bank (TX)
TexasBank in Texas offers competitive term loan rates, business and personal checking accounts, savings accounts, and more. Open an account online today.
Telhio Credit Union Inc (OH)
Telhio offers personal and business checking, savings, student loans, mortgages, lines of credit and more. Since 1934.
TD Bank, National Association (DE)
Explore what TD Canada Trust is all about. Learn about our values, initiatives, reporting, news, careers, recent awards, and more.
T Bank, National Association (TX)
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Find SBA Loans & SBA Lenders by Industry at SBARates.com
SBARates.com is the leading online directory for SBA loan rates and small business financing. Whether you're a startup, a growing enterprise, or an established company seeking better financing options, our platform saves you time by connecting you with top SBA-approved lenders, up-to-date SBA loan rates, and in-depth resources—so you can make informed borrowing decisions and save money.
- Browse our comprehensive listings of 400+ active SBA lenders by your NAICS industry.
- See which banks actively lend to businesses like yours and review their average SBA loan amount, annual SBA loan volume, and average SBA loan rates (updated every 6 months).
How SBARates.com Helps You Get the Right SBA Loan
- Search by Your Industry: From Restaurants to Dental Offices—filter by NAICS to find lenders with relevant deal history.
- Compare SBA Lenders: Quickly gauge activity, average ticket sizes, volumes, and typical spreads over Prime.
- Filter by SBA Program: Zero in on lenders that specialize in the product you need.
Filter by SBA Loan Program
SBA 7(a) General
The flagship SBA program and most flexible option for working capital, real estate, business acquisition, and startups. Partial SBA guarantees can mean longer terms and competitive rates versus conventional loans.
Preferred Lenders
Preferred Lenders are SBA-approved institutions with delegated authority to process, underwrite, and close SBA loans in-house—often resulting in faster approvals and streamlined paperwork, while still following SBA guidelines.
SBA CAPLine
Lenders that specialize in flexible, SBA-backed lines of credit for day-to-day or project-based cash needs (Seasonal, Contract, Builders, and Working Capital lines). Ideal for managing short-term working capital gaps.
Export Express
SBA-participating lenders authorized to provide fast-track, SBA-guaranteed financing (term loans and revolving lines) for U.S. small businesses engaged in exporting—covering market development, production, and equipment for overseas orders.
Startups & Business Acquisition
Find lenders who actively offer SBA 7(a) loans for startups, existing business acquisitions, partner buyouts, and more—so you can match your use of funds with a lender that understands your industry and deal type.
Frequently Asked Questions about SBA Loans & SBA Lenders
What is an SBA loan?
An SBA loan is a small-business loan made by a private lender (bank/credit union/CDC) and partially guaranteed by the U.S. Small Business Administration. The guarantee reduces the lender’s risk, which can result in longer terms, competitive rates, and more flexible approval criteria compared to conventional loans. Popular programs include SBA 7(a), 504, Microloans, and CAPLines.
Why do lenders specialize by industry?
Industries have different revenue models, margins, seasonality, collateral types, and risk patterns. Lenders that focus on specific sectors build underwriting expertise, set realistic cash-flow expectations, and streamline documentation—often leading to faster decisions and better terms for borrowers in those niches.
Do all banks offer the same SBA loan rates?
No. While SBA caps total interest (e.g., Prime + a maximum spread), each lender sets its own margin within those limits. Pricing varies by lender, loan size, risk profile, and program—so two banks can quote different spreads over Prime for the same borrower.
Why should a borrower search for lenders that specialize in their industry?
Specialist lenders understand your business model, typical financials, and risks. That can mean clearer eligibility, less back-and-forth, stronger approval odds, and potentially lower rates or fees. They’re also more likely to recognize industry-standard add-backs and normalize seasonality in cash-flow analysis.
Why does the average rate over Prime offered by a bank matter to a lender?
It signals that lender’s pricing culture and risk appetite. A lender that typically prices at a lower spread (e.g., Prime + 2.25% vs. Prime + 3.25%) may offer more competitive monthly payments, improve your DSCR, and expand your borrowing capacity. For borrowers, targeting lenders with consistently lower spreads can materially reduce lifetime interest costs.
Why does finding lenders who specialize in certain SBA programs matter?
Program specialists (e.g., CAPLines, Export Express, 504) know the rules, paperwork, and pitfalls cold. That expertise often leads to quicker underwriting, fewer surprises, and better structuring (terms, covenants, collateral) tailored to your working-capital, equipment, real-estate, or export needs.
How much can you save if a lender offers a rate 1% lower on a $500,000 loan?
It depends on term and amortization. Two common scenarios:
- 10-year term (typical 7(a)): 1% lower rate can save roughly $32,850 in total interest over the life of the loan and about $274/month in payments.
- 25-year term (real estate-heavy): 1% lower rate can save roughly $104,257 in total interest and about $348/month in payments.
Illustration assumes fully amortizing loans comparing 10% vs. 9% APR equivalents. Actual savings depend on rate, term, fees, and prepayment behavior.
Who created SBARates.com?
SBARates.com was created by [Small Business Approval](https://smallbusinessapproval.com/) (SBA Steve) a 17 year SBA and Banking Executive with over $300 Million to small business owners to help entrepreneurs compare SBA lenders, understand program nuances, and find specialists by industry and SBA product to get the best rates and terms for their NAICS industry.
What is an SBA loan?
An SBA loan is a small-business loan made by a private lender (bank/credit union/CDC) and partially guaranteed by the U.S. Small Business Administration. The guarantee reduces the lender’s risk, which can result in longer terms, competitive rates, and more flexible approval criteria compared to conventional loans. Popular programs include SBA 7(a), 504, Microloans, and CAPLines.
Why do lenders specialize by industry?
Industries have different revenue models, margins, seasonality, collateral types, and risk patterns. Lenders that focus on specific sectors build underwriting expertise, set realistic cash-flow expectations, and streamline documentation—often leading to faster decisions and better terms for borrowers in those niches.
Do all banks offer the same SBA loan rates?
No. While SBA caps total interest (e.g., Prime + a maximum spread), each lender sets its own margin within those limits. Pricing varies by lender, loan size, risk profile, and program—so two banks can quote different spreads over Prime for the same borrower.
Why should a borrower search for lenders that specialize in their industry?
Specialist lenders understand your business model, typical financials, and risks. That can mean clearer eligibility, less back-and-forth, stronger approval odds, and potentially lower rates or fees. They’re also more likely to recognize industry-standard add-backs and normalize seasonality in cash-flow analysis.
Why does the average rate over Prime offered by a bank matter to a lender?
It signals that lender’s pricing culture and risk appetite. A lender that typically prices at a lower spread (e.g., Prime + 2.25% vs. Prime + 3.25%) may offer more competitive monthly payments, improve your DSCR, and expand your borrowing capacity. For borrowers, targeting lenders with consistently lower spreads can materially reduce lifetime interest costs.
Why does finding lenders who specialize in certain SBA programs matter?
Program specialists (e.g., CAPLines, Export Express, 504) know the rules, paperwork, and pitfalls cold. That expertise often leads to quicker underwriting, fewer surprises, and better structuring (terms, covenants, collateral) tailored to your working-capital, equipment, real-estate, or export needs.
How much can you save if a lender offers a rate 1% lower on a $500,000 loan?
It depends on term and amortization. Two common scenarios:
- 10-year term (typical 7(a)): 1% lower rate can save roughly $32,850 in total interest over the life of the loan and about $274/month in payments.
- 25-year term (real estate-heavy): 1% lower rate can save roughly $104,257 in total interest and about $348/month in payments.
Illustration assumes fully amortizing loans comparing 10% vs. 9% APR equivalents. Actual savings depend on rate, term, fees, and prepayment behavior.
Who created SBARates.com?
SBARates.com was created by [Small Business Approval](https://smallbusinessapproval.com/) (SBA Steve) a 17 year SBA and Banking Executive with over $300 Million to small business owners to help entrepreneurs compare SBA lenders, understand program nuances, and find specialists by industry and SBA product to get the best rates and terms for their NAICS industry.
We’re your one-stop resource to compare SBA loan options, find reputable lenders, and gain clarity on the best financing for your business all in one place. Join thousands of small business owners using SBARates.com to navigate their SBA loan journey with confidence.
SBARates.com is a directory and lender referal service not associated with the Small Business Administration-SBA. All information is gathered through Freedom of Information Act (FOIA)