Find the best SBA Rates for your industry by searching our SBA Lender Directory

SBARates.com is a data-driven SBA lending intelligence platform. The site provides industry-specific lending insights, lender analytics, approval trends, and average SBA 7(a) loan rates to help entrepreneurs research SBA lenders and prepare for funding.

U.S. Bank, National Association (OH)

Experience personalized banking services for your unique needs with U.S. Bank - Checking, credit cards, home loans & convenient online banking. Member FDIC.

Adhesive Manufacturing Administrative Management and General Management Consulting Services Advertising Agencies Agents and Managers for Artists, Athletes, Entertainers, and Other Pub All Other Amusement and Recreation Industries
All Other Automotive Repair and Maintenance All Other Business Support Services All Other Legal Services All Other Miscellaneous Ambulatory Health Care Services All Other Miscellaneous Fabricated Metal Product Manufacturing All Other Miscellaneous Schools and Instruction All Other Miscellaneous Textile Product Mills All Other Miscellaneous Waste Management Services All Other Miscellaneous Wood Product Manufacturing All Other Outpatient Care Centers All Other Personal Services All Other Professional, Scientific, and Technical Services All Other Specialty Trade Contractors All Other Transit and Ground Passenger Transportation All Other Traveler Accommodation Aluminum Foundries (except Die-Casting) Amusement Arcades Appliance Repair and Maintenance Architectural Services Automobile Driving Schools Automotive Body, Paint, and Interior Repair and Maintenance Automotive Glass Replacement Shops Automotive Oil Change and Lubrication Shops Baked Goods Stores Barber Shops Beauty Salons Bowling Centers Brick, Stone, and Related Construction Material Merchant Wholesalers Building Inspection Services Cafeterias, Grill Buffets, and Buffets Car Washes Carpet and Upholstery Cleaning Services Caterers Child Day Care Services Child and Youth Services Coffee and Tea Manufacturing Coin-Operated Laundries and Drycleaners Collection Agencies Commercial Bakeries Commercial Gravure Printing Commercial Photography Commercial Screen Printing Commercial and Industrial Machinery and Equipment (except Automotive a Commercial and Institutional Building Construction Computer Facilities Management Services Computer Systems Design Services Computer and Computer Peripheral Equipment and Software Merchant Whole Confectionery and Nut Stores Construction Machinery Manufacturing Construction Sand and Gravel Mining Construction, Mining, and Forestry Machinery and Equipment Rental and Conveyor and Conveying Equipment Manufacturing Couriers Custom Computer Programming Services Data Processing, Hosting, and Related Services Dental Equipment and Supplies Manufacturing Dental Laboratories Diagnostic Imaging Centers Diet and Weight Reducing Centers Dimension Stone Mining and Quarrying Direct Mail Advertising Display Advertising Drilling Oil and Gas Wells Drinking Places (Alcoholic Beverages) Drugs and Druggists' Sundries Merchant Wholesalers Drycleaning and Laundry Services (except Coin-Operated) Drywall and Insulation Contractors Educational Support Services Electrical Apparatus and Equipment, Wiring Supplies, and Related Equipment Merchant Wholesalers Electrical Contractors Electrical and Electronic Appliance, Television, and Radio Set Merchants Employee Leasing Services Employment Placement Agencies Engineering Services Environmental Consulting Services Exam Preparation and Tutoring Exterminating and Pest Control Services Fabricated Structural Metal Manufacturing Farm Supplies Merchant Wholesalers Financial Transactions Processing, Reserve, and Clearinghouse Activities Fine Arts Schools Finfish Fishing Finish Carpentry Contractors Fish and Seafood Merchant Wholesalers Fitness and Recreational Sports Centers Flight Training Flooring Contractors Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers Food Service Contractors Footwear and Leather Goods Repair Framing Contractors Freight Transportation Arrangement Full-Service Restaurants Funeral Homes and Funeral Services Furniture Merchant Wholesalers General Automotive Repair General Freight Trucking, Local General Freight Trucking, Long Distance, Truckload General Medical and Surgical Hospitals General Warehousing and Storage Glass and Glazing Contractors Graphic Design Services HMO Medical Centers Hardware Merchant Wholesalers Highway, Street, and Bridge Construction Home Furnishing Merchant Wholesalers Home Health Care Services Home and Garden Equipment Repair and Maintenance Hotels (except Casino Hotels) and Motels Human Resources and Executive Search Consulting Services Ice Cream and Frozen Dessert Manufacturing Ice Manufacturing Independent Artists, Writers, and Performers Industrial Building Construction Industrial Machinery and Equipment Merchant Wholesalers Industrial Mold Manufacturing Inland Water Freight Transportation Insurance Agencies and Brokerages Interior Design Services Janitorial Services Landscape Architectural Services Landscaping Services Lessors of Miniwarehouses and Self-Storage Units Limited-Service Restaurants Limousine Service Local Messengers and Local Delivery Locksmiths Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers Machine Shops Marketing Consulting Services Masonry Contractors Meat Processed from Carcasses Meat and Meat Product Merchant Wholesalers Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers Metal Coating, Engraving (except Jewelry and Silverware), and Allied S Mobile Food Services Motion Picture and Video Production Motor Vehicle Body Manufacturing Motor Vehicle Gasoline Engine and Engine Parts Manufacturing Motor Vehicle Supplies and New Parts Merchant Wholesalers Motor Vehicle Towing Motor Vehicle Transmission and Power Train Parts Manufacturing Nail Salons Natural Gas Distribution New Single-Family Housing Construction (except Operative Builders) Office Equipment Merchant Wholesalers Offices of All Other Miscellaneous Health Practitioners Offices of Certified Public Accountants Offices of Chiropractors Offices of Dentists Offices of Lawyers Offices of Mental Health Practitioners (except Physicians) Offices of Optometrists Offices of Other Holding Companies Offices of Physical, Occupational and Speech Therapists, and Audiologi Offices of Physicians (except Mental Health Specialists) Offices of Physicians, Mental Health Specialists Offices of Real Estate Agents and Brokers Offices of Real Estate Appraisers Oil and Gas Pipeline and Related Structures Construction Other Accounting Services Other Activities Related to Real Estate Other Building Equipment Contractors Other Building Finishing Contractors Other Commercial and Industrial Machinery and Equipment Rental and Lea Other Computer Related Services Other Construction Material Merchant Wholesalers Other Electronic Parts and Equipment Merchant Wholesalers Other Foundation, Structure, and Building Exterior Contractors Other Grocery and Related Products Merchant Wholesalers Other Individual and Family Services Other Management Consulting Services Other Miscellaneous Durable Goods Merchant Wholesalers Other Miscellaneous Nondurable Goods Merchant Wholesalers Other Motion Picture and Video Industries Other Paperboard Container Manufacturing Other Personal Care Services Other Personal and Household Goods Repair and Maintenance Other Scientific and Technical Consulting Services Other Services to Buildings and Dwellings Other Snack Food Manufacturing Other Support Activities for Air Transportation Other Support Activities for Road Transportation Other Technical and Trade Schools Other Waste Collection Outpatient Mental Health and Substance Abuse Centers Paint and Wallpaper Stores Painting and Wall Covering Contractors Passenger Car Rental Perishable Prepared Food Manufacturing Pet Care (except Veterinary) Services Photography Studios, Portrait Plastics Material and Resin Manufacturing Plate Work Manufacturing Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Wholesalers Plumbing, Heating, and Air-Conditioning Contractors Poured Concrete Foundation and Structure Contractors Prefabricated Metal Building and Component Manufacturing Private Mail Centers Process, Physical Distribution, and Logistics Consulting Services Promoters of Performing Arts, Sports, and Similar Events with Faciliti RV (Recreational Vehicle) Parks and Campgrounds Recyclable Material Merchant Wholesalers Relay and Industrial Control Manufacturing Remediation Services Residential Mental Health and Substance Abuse Facilities Residential Property Managers Residential Remodelers Retail Bakeries Reupholstery and Furniture Repair Roofing Contractors Security Guards and Patrol Services Service Establishment Equipment and Supplies Merchant Wholesalers Services for the Elderly and Persons with Disabilities Siding Contractors Sign Manufacturing Site Preparation Contractors Snack and Nonalcoholic Beverage Bars Soil Preparation, Planting, and Cultivating Solid Waste Collection Special Needs Transportation Specialized Freight (except Used Goods) Trucking, Local Sporting and Athletic Goods Manufacturing Sporting and Recreational Goods and Supplies Merchant Wholesalers Sports Teams and Clubs Sports and Recreation Instruction Spring Manufacturing Structural Steel and Precast Concrete Contractors Supermarkets and Other Grocery (except Convenience) Stores Support Activities for Forestry Support Activities for Metal Mining Support Activities for Oil and Gas Operations Support Activities for Printing Surgical and Medical Instrument Manufacturing Surveying and Mapping (except Geophysical) Services Tax Preparation Services Temporary Help Services Testing Laboratories Tile and Terrazzo Contractors Tortilla Manufacturing Tour Operators Translation and Interpretation Services Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasing Used Car Dealers Veterinary Services Water and Sewer Line and Related Structures Construction Wood Container and Pallet Manufacturing Wood Kitchen Cabinet and Countertop Manufacturing Wood Preservation
7a General
Change of Ownership
Existing or more than 2 years old
Export Express
Fixed Rates
# International Trade Loans
# Loan Funds will Open Business
# New Business or 2 years or less
# Preferred Lenders Program
# SBA Express Program
# Startup
# Variable Rates
SBA Loan Approvals as of Fiscal Year End 2025 3,453
SBA Loans Total Approval Amount as of Fiscal Year End 2025 $871,236,600
Average SBA Loan Size as of Fiscal Year End 2025 $252,313
Average SBA Loan Rate over Prime (Prime is 6.75%) 2.61
U.S. Bank, National Association (OH)

Unlock Your Financial Potential with U.S. Bank, National Association (OH)

U.S. Bank, National Association is one of the largest commercial banks in the United States, serving businesses nationwide with a strong presence in Ohio and the Midwest. Known for its scale, stability, and advanced digital capabilities, U.S. Bank delivers comprehensive business banking services and robust SBA lending programs designed to help entrepreneurs start, grow, and scale their companies with confidence.

Key Features of U.S. Bank, National Association

  • Comprehensive Business Banking
    U.S. Bank offers a full range of business checking and savings accounts, merchant services, payroll solutions, ACH and wire services, treasury management, and fraud-prevention tools built for businesses of all sizes.

  • SBA Loan Expertise
    U.S. Bank is an active SBA lender offering:

    • SBA 7(a) loans
    • SBA Express loans
    • SBA 504 loans
      These government-backed options support working capital, equipment purchases, owner-occupied commercial real estate, business acquisitions, and expansion projects.
  • Robust Commercial Lending Platform
    Beyond SBA programs, U.S. Bank provides:

    • Business term loans
    • Revolving lines of credit
    • Commercial real estate financing
    • Equipment financing
    • Asset-based lending
    • Franchise financing
    • Industry-specific solutions for healthcare, nonprofits, and professional services
  • Industry-Leading Digital Tools
    U.S. Bank’s business digital ecosystem includes online and mobile banking, remote deposit capture, cash-flow dashboards, invoicing tools, and integrated payment solutions available 24/7.

  • National Reach with Local Expertise
    With relationship managers across Ohio and nationwide, U.S. Bank combines local market knowledge with the resources of a national financial institution.

  • Commitment to Community Development
    U.S. Bank supports economic development initiatives, small-business education, and community reinvestment programs that expand access to capital across underserved markets.

Why Choose U.S. Bank for SBA Loans?

U.S. Bank stands out for its scale, experience, and consistency in SBA lending. Business owners benefit from:

  • Competitive SBA rates and long repayment terms
  • Dedicated SBA specialists
  • Streamlined digital application processes
  • Ability to support multi-location and growth-stage businesses
  • Strong experience with complex SBA transactions

Whether you’re acquiring a business, financing equipment, expanding to new locations, or purchasing owner-occupied real estate, U.S. Bank provides SBA-backed solutions designed for long-term growth.

How to Get Started

Ready to explore SBA financing or other business-lending options? Visit the
U.S. Bank Small Business Banking page
to compare loan programs, review eligibility, and connect with a business-banking specialist serving Ohio.

Empower your financial future today with U.S. Bank — where entrepreneurs gain nationwide resources, trusted expertise, and capital to grow.

Industry