For owners who keep hearing “we don’t really do SBA loans here”
Get matched with SBA lenders actively approving businesses like yours at no cost to you
Every lender actively writing SBA loans — 2,000+ banks, credit unions, and CDCs across all 50 states & 4 territories, each with a phone number, address, and real Google rating.
Free · about 60 seconds
What’s your SBA loan readiness score?
Five quick questions tell you whether an SBA loan is within reach today, and exactly what to fix if it isn't. Add your details at the end and your score plus tailored next steps are yours instantly.
5 questions · about 60 seconds · free
2,000+
active SBA lenders listed
54
states & territories covered
Free
to browse. No account. No paywall. No “submit to reveal.”
7(a)
data built from SBA lending records
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Getting an SBA loan shouldn’t start with a mystery
You asked your bank about an SBA loan. They said “we’ll look into it” and went quiet. So you Googled “SBA lenders near me” and got three ads and a map of branches that don’t write SBA loans at all.
Then you tried one of those loan marketplaces. You filled out a form, and 11 brokers you never picked called you before lunch.
Here’s the part nobody tells you: the SBA doesn’t lend money. Banks do. The FDIC counts roughly 4,500 insured banks in America, and only the 2,000+ lenders in this directory wrote SBA loans in the most recent records, fewer than half. Your job isn’t to convince your bank. It’s to find one of the banks already saying yes.
That list used to be buried in federal lending records. Now it’s here, sorted by state, free.
How do you find an SBA lender on this site?
- 1
Pick your state.
Every lender writing SBA loans where you operate, on one page.
- 2
Compare them in the open.
Lender type, Google rating, address, phone. No “submit to reveal” games.
- 3
Call them directly.
Or answer four questions and we’ll shortlist the 3 lenders most likely to say yes to your loan size.
Know what you’re walking into before you call
A 7(a) loan and a 504 loan fund different things. A lender’s “preferred” status changes your timeline by weeks. The guides below cover what lenders look for, in plain English, so your first call sounds like your fifth.
Read the SBA loan guides
Want a shortlist instead of a list?
Tell us your state, loan size, and timeline. We'll point you at 3 lenders that fund loans your size in your state, ranked by Google rating and how recently they wrote SBA loans. No black box: you'll see why each one made the list. Your info goes to lenders you approve. Never to a broker list.
Get My 3-Lender ShortlistSBA lender questions, answered
Can any bank give me an SBA loan?
No. The SBA guarantees loans, but only lenders approved by the SBA can fund them, and far fewer actively do. Most U.S. banks wrote zero SBA loans last year. This directory lists the 2,000+ lenders with active SBA lending operations, so you only call banks that can say yes.
What credit score do I need for an SBA 7(a) loan?
Most SBA lenders want a personal credit score of 640 or higher from each guarantor, and many community banks prefer 680. Below 640, look at SBA microloans or CDFI lenders instead. Lenders also weigh cash flow, collateral, and time in business alongside the score.
How long does SBA loan approval take?
Plan on 30 to 90 days from application to funding. SBA Preferred Lenders (PLP) approve in-house and close faster, sometimes inside 30 days. Non-preferred lenders send files to the SBA for review, which adds 2 to 4 weeks. Complete paperwork is the single biggest factor you control.
What is the difference between SBA 7(a) and 504 loans?
A 7(a) loan covers working capital, equipment, acquisitions, and real estate up to $5 million, with negotiable rates. A 504 loan funds fixed assets like buildings and heavy equipment through a certified development company, with fixed below-market rates. Most first-time borrowers want the 7(a).
Is SBALendersUSA free to use?
Yes. Browsing every lender, every state page, and every phone number is free with no account required. We make money when lenders pay for featured placement, which is always labeled. The lender shortlist service is free too, and your information only goes to lenders you approve.