SBA lenders

SBA lenders and certified development companies lend it. They look at cash flow coverage, owner equity and character. 58 lenders offer SBA 7(a) and 504 loans across the US and Canada, usually from $50k to $5M. Last checked Nov 1, 2026.

lenders: 58
loan officers: 2
verified: 2
places: 28

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

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

Levr partneron LevrOconomowoc, WI

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

Levr partneron LevrLos Angeles, CA

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

Listedfrom public recordsCosta Mesa, CA

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

Listedfrom public recordsOklahoma City, OK

Bankers Trust CompanyListed

Bankers Trust combines small-business equipment and working-capital lending with SBA financing and a separate ESOP specialty. The useful distinction is transaction type: a local operating-business loan and an employee-ownership acquisition require different teams and underwriting.

BanksSBA 7(a) loansWorking capital loansUnclaimed

Des Moines, IA

Listedfrom public recordsDes Moines, IA

BMO BankListed

BMO’s U.S. bank offers secured revolving credit, staged-purchase Flex Loans and SBA financing. Equipment leasing shown alongside these products is provided by an independent third party.

BanksCommercial real estate loansEquipment financingUnclaimed

Chicago, IL

Listedfrom public recordsChicago, IL

BOK FinancialListed

BOK Financial provides revolving business credit with an optional fixed-rate BusinessLock feature and separate SBA financing. The lock structure lets a borrower split eligible line usage into scheduled repayments.

BanksBusiness acquisition loansBusiness lines of creditUnclaimed

Tulsa, OK

Listedfrom public recordsTulsa, OK

Capital MatrixListed

Boise certified development company providing SBA 504 financing for business real estate and equipment across Idaho and neighboring western states.

Direct business lendersCommercial real estate loansEquipment financingUnclaimed

Boise, ID

Listedfrom public recordsBoise, ID

Capital One, National AssociationListed

Capital One offers bank loans and credit lines through dedicated business bankers. Eligibility for that service and geographic availability must be established before treating online interest as a loan application.

BanksCommercial real estate loansBusiness lines of creditUnclaimed

Mclean, VA

Listedfrom public recordsMclean, VA

Celtic BankListed

Celtic Bank is a bank headquartered in Salt Lake City, Utah. Its June 30, 2026 FDIC financial report records commercial and industrial loans. Product availability and current lending criteria should be confirmed with the bank.

BanksAsset based lendingCommercial real estate loansUnclaimed

Salt Lake City, UT

Listedfrom public recordsSalt Lake City, UT

CIBC Bank USAListed

CIBC Bank USA offers SBA 7(a), 504 and Express financing alongside commercial lines and term loans. These are U.S. products, distinct from CIBC’s Canadian business financing.

BanksAsset based lendingCommercial real estate loansUnclaimed

Chicago, IL

Listedfrom public recordsChicago, IL

Citizens Business Bank, National AssociationListed

Citizens Business Bank offers revolving and asset-based credit alongside SBA financing. The conventional lines address cash-flow timing, while SBA lending can support acquisitions and longer-lived assets.

BanksAsset based lendingCommercial real estate loansUnclaimed

Ontario, CA

Listedfrom public recordsOntario, CA

City National BankListed

City National offers two distinct business credit lines plus SBA 7(a), Express and 504 financing. Small unsecured lines have different terms from its larger annually renewing facility.

BanksCommercial real estate loansBusiness lines of creditUnclaimed

Los Angeles, CA

Listedfrom public recordsLos Angeles, CA

Columbia BankListed

Columbia Bank offers Select term financing, a CapEx line that converts into a term loan, and SBA financing. Its published structure is useful for comparing staged equipment purchases with a one-time borrowing need.

BanksEquipment financingBusiness lines of creditUnclaimed

Roseburg, OR

Listedfrom public recordsRoseburg, OR

Dakota Business LendingListed

Nonprofit business lender providing SBA 504 financing and direct gap loans for small businesses in North Dakota, South Dakota, Montana, and Minnesota.

Direct business lendersTerm loansCommercial real estate loansUnclaimed

Fargo, ND

Listedfrom public recordsFargo, ND

Dime Commercial BankListed

Dime offers commercial term loans, credit lines and SBA financing, including a distinct specialty-finance team for lenders and investment funds. Its SBA page contains inconsistent 504 minimums, so that product needs a current written quote.

BanksCommercial real estate loansEquipment financingUnclaimed

Hauppauge, NY

Listedfrom public recordsHauppauge, NY

Dogwood (a division of TowneBank)Listed

Dogwood now operates as a division of TowneBank. Its small-business lending team offers SBA financing for acquisitions, expansion, franchises and property, alongside conventional business loans.

BanksBusiness acquisition loansCommercial real estate loansUnclaimed

Raleigh, NC

Listedfrom public recordsRaleigh, NC

DreamSpringListed

DreamSpring offers startup and established-business financing, with separate term-loan, credit-line and property programs. Published interest rates exclude a program-specific Community Benefit Fee.

Direct business lendersStartup fundingTerm loansUnclaimed

Albuquerque, NM

Listedfrom public recordsAlbuquerque, NM

East West BankListed

East West Bank offers SBA loans alongside commercial credit and cross-border banking. Its Fast-Track SBA offer is a distinct small-loan channel with a time-limited packaging-fee promotion.

BanksBusiness acquisition loansCommercial real estate loansUnclaimed

Pasadena, CA

Listedfrom public recordsPasadena, CA

Esquire Bank, National AssociationListed

Esquire combines general business credit with specialized law-firm case-cost financing and merchant-processing finance. Its term-loan maturity can be shorter than its amortization, so the scheduled payment alone does not describe the final obligation.

BanksCommercial real estate loansTerm loansUnclaimed

Jericho, NY

Listedfrom public recordsJericho, NY

Fifth Third BankListed

Fifth Third offers smaller unsecured loans and credit lines, larger secured facilities, commercial real estate financing and SBA options. Published limits on unsecured products should not be treated as limits for all bank financing.

BanksCommercial real estate loansEquipment financingUnclaimed

Cincinnati, OH

Listedfrom public recordsCincinnati, OH

First Citizens BankListed

First Citizens offers conventional business financing and distinct SBA 7(a), 504 and Express programs. Its Express product has a narrower amount and use-of-funds scope than the federal program maximum.

BanksAsset based lendingCommercial real estate loansUnclaimed

Raleigh, NC

Listedfrom public recordsRaleigh, NC

First Commonwealth BankListed

First Commonwealth offers business lines starting at $5,000 and a streamlined application path for smaller facilities. Its lending menu distinguishes revolving working capital from equipment and asset-based financing.

BanksCommercial real estate loansBusiness lines of creditUnclaimed

Indiana, PA

Listedfrom public recordsIndiana, PA

First Frontier 504Listed

Pennsylvania nonprofit business lending program providing SBA financing for commercial real estate, construction, renovations, and equipment through Altoona Blair County Development Corporation.

Direct business lendersEquipment financingCommercial real estate loansUnclaimed

Altoona, PA

Listedfrom public recordsAltoona, PA

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SBA loans at a glance

Typical range: $50k to $5M
Who lends it: SBA lenders
Typical time to funding: Four to twelve weeks
Verified: 2

Where these lenders are

California8 Illinois4 North Carolina4 New York4 Texas4 Delaware3 Pennsylvania3 Indiana2

Before you choose

Buying a franchise: how franchise financing works and who lends it4 min What an SBA preferred lender is and why it matters5 min What to bring to your first call with a lender5 min Buying a business: acquisition lenders and how they underwrite the deal5 min

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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?

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