SBA 7(a) Lender Directory
450 active SBA 7(a) lenders, with speed-to-fund, secondary-market resale, M&A focus, and charge-off metrics derived from the public SBA FOIA dataset. Filter and sort any column. Free to browse. No paywall.
New here?Read the framework for picking an SBA lender on an acquisition.Lenders tracked
450
≥ 10 loans in trailing 3 years
Loans aggregated
50,696
≥ $350K, funded
Total approved
$61B
Gross approval, trailing 3yr
Data as of
December 2025
Source: SBA 7(a) FOIA · annual refresh
Showing 450 of 450 lenders
The Huntington National BankPLP | Bank | OH | 3,223 | $597K | 13d | 51% | <1% | 0.8% | Food & BeverageEntertainment & RecreationHealthcare & Wellness | 50 | 294 |
Live Oak Banking CompanyPLP | Bank | NC | 3,171 | $1.2M | 18d | 87% | 65% | 0.4% | Healthcare & WellnessProfessional ServicesFood & Beverage | 52 | 792 |
Newtek Bank, National AssociationPLP | Bank | FL | 2,045 | $525K | 26d | 85% | 73% | — | Professional ServicesHealthcare & WellnessFood & Beverage | 51 | 16 |
Readycap Lending, LLCPLP | Non-bank | NJ | 2,028 | $500K | 27d | 99% | 99% | 0.5% | Retail & E-commerceProfessional ServicesFood & Beverage | 51 | 93 |
Cadence BankPLP | Bank | MS | 1,195 | $418K | 7d | 99% | 20% | 1.8% | Food & BeverageProfessional ServicesConstruction & Trades | 49 | 46 |
Bank of America, National Association | Bank | NC | 1,155 | $553K | 14d | 35% | 0% | <0.1% | Healthcare & WellnessProfessional ServicesWholesale & Distribution | 41 | 12 |
U.S. Bank, National Association | Bank | OH | 1,151 | $833K | 22d | 21% | 0% | 0.7% | Professional ServicesRetail & E-commerceHealthcare & Wellness | 38 | 37 |
JPMorgan Chase Bank, National Association | Bank | OH | 1,136 | $500K | 13d | 10% | 0% | 1.3% | Professional ServicesConstruction & TradesWholesale & Distribution | 39 | 0 |
Wells Fargo Bank National Association | Bank | SD | 1,004 | $844K | 14d | 29% | 0% | 0.6% | Healthcare & WellnessRetail & E-commerceProfessional Services | 46 | 5 |
Byline BankPLP | Bank | IL | 833 | $1.0M | 18d | 82% | 75% | 0.8% | Retail & E-commerceFood & BeverageProfessional Services | 49 | 152 |
First Internet Bank of IndianaPLP | Bank | IN | 828 | $1.4M | 23d | 75% | 71% | 2.7% | Retail & E-commerceHome ServicesFood & Beverage | 47 | 200 |
Harvest Small Business Finance, LLCPLP | Non-bank | CA | 745 | $870K | 18d | 97% | 97% | <0.1% | Food & BeverageHealthcare & WellnessRetail & E-commerce | 42 | 9 |
Celtic Bank CorporationPLP | Bank | UT | 683 | $1.1M | 14d | 99% | 92% | 0.7% | Retail & E-commerceFood & BeverageHealthcare & Wellness | 46 | 107 |
First Bank of the LakePLP | Bank | MO | 630 | $666K | 19d | 94% | 4% | 0.2% | Food & BeverageEntertainment & RecreationPersonal Services | 47 | 25 |
Citizens BankPLP | Bank | TN | 612 | $500K | 27d | 86% | 71% | 0.8% | Food & BeverageEntertainment & RecreationRetail & E-commerce | 43 | 23 |
United Midwest Savings Bank National AssociationPLP | Bank | OH | 454 | $812K | 15d | 100% | 97% | 3.7% | Professional ServicesHealthcare & WellnessHome Services | 44 | 75 |
KeyBank National Association | Bank | OH | 445 | $500K | 28d | 26% | 33% | 0.3% | Food & BeverageRetail & E-commerceManufacturing & Production | 32 | 11 |
TD Bank, National Association | Bank | DE | 443 | $933K | 20d | 5% | 0% | 2.0% | Food & BeverageProfessional ServicesEducation & Training | 22 | 19 |
SouthState Bank, National AssociationPLP | Bank | FL | 427 | $500K | 12d | 96% | 84% | 0.2% | Food & BeverageProfessional ServicesRetail & E-commerce | 25 | 23 |
Old National BankPLP | Bank | IN | 427 | $1000K | 14d | 65% | 12% | 0.1% | Construction & TradesFood & BeverageManufacturing & Production | 26 | 90 |
GBankPLP | Bank | NV | 404 | $2.6M | 12d | 99% | 90% | 0.1% | Entertainment & RecreationTransportation & LogisticsRetail & E-commerce | 39 | 235 |
Brookline Bank, a Division of Beacon Bank and TrustPLP | Bank | MA | 398 | $1.2M | 22d | 58% | 53% | 0.7% | Food & BeverageConstruction & TradesRetail & E-commerce | 37 | 116 |
Bank of HopePLP | Bank | CA | 390 | $720K | 14d | 66% | 66% | 0.4% | Food & BeverageRetail & E-commerceEntertainment & Recreation | 31 | 26 |
Northeast BankPLP | Bank | ME | 385 | $500K | 28d | 100% | 99% | 1.8% | Construction & TradesRetail & E-commerceHealthcare & Wellness | 45 | 0 |
Enterprise Bank & TrustPLP | Bank | MO | 356 | $1.3M | 18d | 97% | 30% | <0.1% | Entertainment & RecreationRetail & E-commerceFood & Beverage | 36 | 3 |
The Huntington National BankPLP
Bank· OH
3,223
3yr loans
Median
$597K
Days
13d
Big M&A
294
PLP
51%
Resell
<1%
Charge-off
0.8%
Food & BeverageEntertainment & RecreationHealthcare & Wellness50 states
Live Oak Banking CompanyPLP
Bank· NC
3,171
3yr loans
Median
$1.2M
Days
18d
Big M&A
792
PLP
87%
Resell
65%
Charge-off
0.4%
Healthcare & WellnessProfessional ServicesFood & Beverage52 states
Newtek Bank, National AssociationPLP
Bank· FL
2,045
3yr loans
Median
$525K
Days
26d
Big M&A
16
PLP
85%
Resell
73%
Charge-off
—
Professional ServicesHealthcare & WellnessFood & Beverage51 states
Readycap Lending, LLCPLP
Non-bank· NJ
2,028
3yr loans
Median
$500K
Days
27d
Big M&A
93
PLP
99%
Resell
99%
Charge-off
0.5%
Retail & E-commerceProfessional ServicesFood & Beverage51 states
Cadence BankPLP
Bank· MS
1,195
3yr loans
Median
$418K
Days
7d
Big M&A
46
PLP
99%
Resell
20%
Charge-off
1.8%
Food & BeverageProfessional ServicesConstruction & Trades49 states
Bank of America, National Association
Bank· NC
1,155
3yr loans
Median
$553K
Days
14d
Big M&A
12
PLP
35%
Resell
0%
Charge-off
<0.1%
Healthcare & WellnessProfessional ServicesWholesale & Distribution41 states
U.S. Bank, National Association
Bank· OH
1,151
3yr loans
Median
$833K
Days
22d
Big M&A
37
PLP
21%
Resell
0%
Charge-off
0.7%
Professional ServicesRetail & E-commerceHealthcare & Wellness38 states
JPMorgan Chase Bank, National Association
Bank· OH
1,136
3yr loans
Median
$500K
Days
13d
Big M&A
0
PLP
10%
Resell
0%
Charge-off
1.3%
Professional ServicesConstruction & TradesWholesale & Distribution39 states
Wells Fargo Bank National Association
Bank· SD
1,004
3yr loans
Median
$844K
Days
14d
Big M&A
5
PLP
29%
Resell
0%
Charge-off
0.6%
Healthcare & WellnessRetail & E-commerceProfessional Services46 states
Byline BankPLP
Bank· IL
833
3yr loans
Median
$1.0M
Days
18d
Big M&A
152
PLP
82%
Resell
75%
Charge-off
0.8%
Retail & E-commerceFood & BeverageProfessional Services49 states
First Internet Bank of IndianaPLP
Bank· IN
828
3yr loans
Median
$1.4M
Days
23d
Big M&A
200
PLP
75%
Resell
71%
Charge-off
2.7%
Retail & E-commerceHome ServicesFood & Beverage47 states
Harvest Small Business Finance, LLCPLP
Non-bank· CA
745
3yr loans
Median
$870K
Days
18d
Big M&A
9
PLP
97%
Resell
97%
Charge-off
<0.1%
Food & BeverageHealthcare & WellnessRetail & E-commerce42 states
Celtic Bank CorporationPLP
Bank· UT
683
3yr loans
Median
$1.1M
Days
14d
Big M&A
107
PLP
99%
Resell
92%
Charge-off
0.7%
Retail & E-commerceFood & BeverageHealthcare & Wellness46 states
First Bank of the LakePLP
Bank· MO
630
3yr loans
Median
$666K
Days
19d
Big M&A
25
PLP
94%
Resell
4%
Charge-off
0.2%
Food & BeverageEntertainment & RecreationPersonal Services47 states
Citizens BankPLP
Bank· TN
612
3yr loans
Median
$500K
Days
27d
Big M&A
23
PLP
86%
Resell
71%
Charge-off
0.8%
Food & BeverageEntertainment & RecreationRetail & E-commerce43 states
United Midwest Savings Bank National AssociationPLP
Bank· OH
454
3yr loans
Median
$812K
Days
15d
Big M&A
75
PLP
100%
Resell
97%
Charge-off
3.7%
Professional ServicesHealthcare & WellnessHome Services44 states
KeyBank National Association
Bank· OH
445
3yr loans
Median
$500K
Days
28d
Big M&A
11
PLP
26%
Resell
33%
Charge-off
0.3%
Food & BeverageRetail & E-commerceManufacturing & Production32 states
TD Bank, National Association
Bank· DE
443
3yr loans
Median
$933K
Days
20d
Big M&A
19
PLP
5%
Resell
0%
Charge-off
2.0%
Food & BeverageProfessional ServicesEducation & Training22 states
SouthState Bank, National AssociationPLP
Bank· FL
427
3yr loans
Median
$500K
Days
12d
Big M&A
23
PLP
96%
Resell
84%
Charge-off
0.2%
Food & BeverageProfessional ServicesRetail & E-commerce25 states
Old National BankPLP
Bank· IN
427
3yr loans
Median
$1000K
Days
14d
Big M&A
90
PLP
65%
Resell
12%
Charge-off
0.1%
Construction & TradesFood & BeverageManufacturing & Production26 states
GBankPLP
Bank· NV
404
3yr loans
Median
$2.6M
Days
12d
Big M&A
235
PLP
99%
Resell
90%
Charge-off
0.1%
Entertainment & RecreationTransportation & LogisticsRetail & E-commerce39 states
Brookline Bank, a Division of Beacon Bank and TrustPLP
Bank· MA
398
3yr loans
Median
$1.2M
Days
22d
Big M&A
116
PLP
58%
Resell
53%
Charge-off
0.7%
Food & BeverageConstruction & TradesRetail & E-commerce37 states
Bank of HopePLP
Bank· CA
390
3yr loans
Median
$720K
Days
14d
Big M&A
26
PLP
66%
Resell
66%
Charge-off
0.4%
Food & BeverageRetail & E-commerceEntertainment & Recreation31 states
Northeast BankPLP
Bank· ME
385
3yr loans
Median
$500K
Days
28d
Big M&A
0
PLP
100%
Resell
99%
Charge-off
1.8%
Construction & TradesRetail & E-commerceHealthcare & Wellness45 states
Enterprise Bank & TrustPLP
Bank· MO
356
3yr loans
Median
$1.3M
Days
18d
Big M&A
3
PLP
97%
Resell
30%
Charge-off
<0.1%
Entertainment & RecreationRetail & E-commerceFood & Beverage36 states
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How this directory is different
Most SBA lender lists rank banks by marketing spend or membership tier. This directory ranks nothing by default — you do. Each metric a searcher actually cares about is its own sortable column: median days from approval to first disbursement (a direct speed measurement), share of loans sold into the secondary market (lower = more likely you keep the same servicer post-close), charge-off rate on seasoned loans, count of large ($1M+) acquisition loans funded in the last 3 years, and industry / geographic concentration.
How to read the columns
Need a quick reference? Click Column definitions above the table for the full glossary.
- Loans (3yr): Funded 7(a) loans ≥ $350K approved in the trailing 3 years. Filters out the high-volume, low-ticket working-capital lenders.
- Days to Fund: Median days from approval to first disbursement. Term loans only; revolving lines and CAPLines are excluded. Shown as "—" when sample is under 5 loans.
- PLP %: Share of loans processed under SBA's Preferred Lenders Program — typically 2–3 weeks faster to close because SBA delegates underwriting to the lender. Lenders with at least 50% PLP volume also get a PLP badge next to their name.
- Resell %: Share of loans where
soldsecmrktind= Y. Lower means more portfolio-held — you keep the same servicing relationship after close. - Charge-off %: Total $ charged off divided by total $ originated, on loans approved 3–6 years ago. Shown only when seasoned-cohort volume is at least $10M.
- States: Distinct count of states where the lender funded ≥ 1 loan in the trailing 3 years. Includes DC and US territories (PR, VI, GU), so national lenders often show 50+.
- Big M&A: Count of trailing-3yr loans of at least $1M classified as "Change of Ownership." Direct answer to "who actually writes large acquisition checks?" — much more useful than a percentage, which can be 100% at a small lender.
About the data
Aggregated from the SBA 7(a) FOIA dataset on data.sba.gov. SBA updates the raw file quarterly; this directory refreshes annually. Lender names are canonicalized to merge variants (e.g., "Live Oak Bank" and "Live Oak Banking Company"). Only lenders with at least 10 qualifying loans are included, which cuts ~2,000 raw names down to a searcher-relevant set. Loan-level detail and non-7(a) programs (504, microloan) are out of scope for v1. Snapshot date: December 2025.
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