For small-business owners

The independent data on every SBA lender.

Compare SBA 7(a) and 504 lenders by funded volume, average loan size, and charge-off rate, straight from the government's own loan records. Free, no sign-up.

Funded loans: 490,325
Lenders ranked: 2,334
Total volume: $291.6B

Current rate environment

via FRED

Prime rate: 6.75%; as of May 2026
SOFR: 3.63%; as of Jun 2026
Banks tightening small-firm credit: +8.1%; net tightening, as of Apr 2026

SBA 7(a) rates are typically the prime rate plus a lender spread the SBA caps. See how SBA rates work.

Find your SBA lender

Look for lenders that are active in your state and industry and that regularly fund loans near your size. Shortlist a few, then talk to them before you apply. A lower charge-off rate is a good sign, not a guarantee.

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2,334 lenders match · showing the top 100 by your sort

Lender	Programs	Loans	Total volume	Avg size	Charge-off
Live Oak Banking Company	7(a)	9,674	$13.3B	$1.4M	0.3%
The Huntington National Bank	7(a)	42,321	$10.8B	$254K	1.3%
Mortgage Capital Development Corporation	5047(a)	5,547	$6.4B	$1.2M	0.1%
Newtek Bank, National Association	7(a)	12,026	$5.3B	$437K	0.0%
CDC Small Business Finance Corp.	5047(a)	6,793	$5.2B	$769K	1.9%
Florida Business Development Corporation	5047(a)	5,765	$4.4B	$764K	0.0%
Readycap Lending, LLC	7(a)	10,022	$4.3B	$427K	0.9%
U.S. Bank, National Association	7(a)	17,106	$4.2B	$246K	2.2%
Empire State Certified Development Corporation	5047(a)	4,163	$4.2B	$1.0M	0.0%
Florida First Capital Finance Corporation, Inc.	5047(a)	4,426	$4.0B	$896K	0.0%
Celtic Bank Corporation	7(a)	5,588	$3.8B	$679K	1.3%
Byline Bank	7(a)	2,900	$3.6B	$1.2M	0.9%
Business Finance Capital	5047(a)	2,715	$3.4B	$1.3M	0.0%
Wells Fargo Bank National Association	7(a)	11,895	$3.3B	$275K	4.2%
California Statewide Certified Development Corporation	5047(a)	2,789	$2.9B	$1.0M	0.0%
Newtek Small Business Finance, Inc.	7(a)	4,443	$2.9B	$652K	0.6%
Mountain West Small Business Finance	5047(a)	3,450	$2.8B	$802K	0.0%
WBD, Inc.	504	3,159	$2.6B	$811K	0.0%
Small Business Growth Corporation	504	3,247	$2.6B	$789K	0.0%
TD Bank, National Association	7(a)	17,226	$2.5B	$147K	5.1%
Harvest Small Business Finance, LLC	7(a)	2,198	$2.4B	$1.1M	0.0%
First Internet Bank of Indiana	7(a)	1,819	$2.4B	$1.3M	1.5%
GBank	7(a)	867	$2.2B	$2.5M	0.1%
Capital Certified Development Corporation	5047(a)	2,119	$2.2B	$1.0M	0.1%
JPMorgan Chase Bank, National Association	7(a)	8,455	$2.2B	$258K	2.5%
Bank of America, National Association	7(a)	4,371	$2.1B	$488K	0.2%
Enterprise Bank & Trust	7(a)	1,633	$2.1B	$1.3M	0.1%
Granite State Economic Development Corporation	504	3,770	$2.0B	$543K	0.0%
Northeast Bank	7(a)	12,800	$2.0B	$157K	0.3%
Pinnacle Bank	7(a)	1,569	$1.9B	$1.2M	1.1%
First Bank of the Lake	7(a)	2,381	$1.9B	$801K	0.9%
KeyBank National Association	7(a)	4,816	$1.8B	$383K	1.2%
BayFirst National Bank	7(a)	9,541	$1.8B	$192K	3.3%
B:Side Capital	5047(a)	2,406	$1.8B	$744K	0.0%
United Midwest Savings Bank National Association	7(a)	5,268	$1.7B	$332K	4.7%
Metro City Bank	7(a)	989	$1.7B	$1.7M	0.1%
SomerCor 504, Inc.	5047(a)	2,034	$1.7B	$821K	0.0%
Evergreen Business Capital	5047(a)	1,951	$1.6B	$826K	0.0%
Trenton Business Assistance Corporation	5047(a)	1,314	$1.6B	$1.2M	0.1%
Beacon Bank and Trust	7(a)	1,562	$1.6B	$1.0M	0.4%
Bank of Hope	7(a)	1,846	$1.5B	$832K	1.7%
Business Finance Group, Inc.	5047(a)	1,860	$1.5B	$818K	0.0%
Fifth Third Bank	7(a)	2,762	$1.5B	$548K	1.6%
Manufacturers and Traders Trust Company	7(a)	11,686	$1.5B	$128K	4.4%
SBA CLSC Servicing	5047(a)	1,919	$1.5B	$770K	0.0%
Old National Bank	7(a)	1,542	$1.4B	$935K	0.7%
SouthState Bank, National Association	7(a)	2,104	$1.4B	$677K	0.9%
Commonwealth Business Bank	7(a)	1,032	$1.3B	$1.3M	0.0%
Open Bank	7(a)	777	$1.3B	$1.7M	0.1%
Bay Area Employment Development Company	504	1,351	$1.3B	$966K	0.0%
Columbia Bank	7(a)	3,729	$1.3B	$339K	1.3%
Citizens Bank	7(a)	1,687	$1.2B	$733K	1.7%
Capital Access Group, Inc.	504	1,317	$1.2B	$935K	0.0%
Midwest Business Finance Corporation	504	1,960	$1.2B	$624K	0.0%
US Metro Bank	7(a)	601	$1.2B	$2.0M	0.0%
Michigan Certified Development Corporation	5047(a)	1,760	$1.2B	$663K	0.0%
Hanmi Bank	7(a)	1,232	$1.1B	$914K	0.7%
New England Certified Development Corporation	504	1,553	$1.1B	$722K	0.0%
BMO Bank National Association	7(a)	1,336	$1.1B	$824K	1.1%
Bay Colony Development Corporation	504	1,807	$1.1B	$607K	0.0%
Northwest Business Development Association	504	1,242	$1.1B	$859K	0.0%
Wallis Bank	7(a)	703	$1.1B	$1.5M	0.9%
First Financial Bank	7(a)	1,123	$1.1B	$947K	0.7%
PNC Bank, National Association	7(a)	3,239	$1.1B	$328K	4.0%
TowneBank	7(a)	1,239	$1.1B	$855K	0.6%
Zions Bank, A Division of	7(a)	3,405	$1.0B	$308K	0.9%
United Community Bank	7(a)	1,211	$995.1M	$822K	0.5%
AMPAC Tri-State CDC, Inc.	5047(a)	1,185	$948.5M	$800K	0.3%
PCB Bank	7(a)	733	$935.3M	$1.3M	0.0%
Truist Bank	7(a)	860	$934.4M	$1.1M	0.4%
Twin Cities-Metro Certified Development Company	504	1,208	$933.6M	$773K	0.0%
Southland Economic Development Corporation	504	1,054	$925.9M	$878K	0.0%
Peoples Bank	7(a)	1,024	$917.1M	$896K	0.8%
Business Expansion Funding Corporation	504	1,087	$901.7M	$830K	0.0%
Greater East Texas Certified Development Company	5047(a)	716	$893.6M	$1.2M	0.0%
Regions Bank	7(a)	854	$883.2M	$1.0M	1.1%
VelocitySBA, LLC	7(a)	797	$872.1M	$1.1M	0.6%
North Texas Certified Development Corporation	504	795	$865.4M	$1.1M	0.0%
Rural Missouri, Inc.	504	1,086	$828.4M	$763K	0.0%
FinWise Bank	7(a)	669	$822.9M	$1.2M	1.4%
Banc of California	7(a)	582	$814.7M	$1.4M	0.5%
The Bancorp Bank National Association	7(a)	893	$801.9M	$898K	0.6%
First National Bank of Pennsylvania	7(a)	841	$801.1M	$953K	0.7%
First Commonwealth Bank	7(a)	1,085	$785.3M	$724K	0.4%
LiftFund, Inc.	5047(a)	955	$774.0M	$810K	0.0%
Capital Partners Certified Development Company	504	720	$767.2M	$1.1M	0.0%
Arizona Capital Source	5047(a)	1,121	$754.5M	$673K	0.2%
Pathward National Association	7(a)	489	$749.2M	$1.5M	1.8%
Meridian Bank	7(a)	806	$743.0M	$922K	1.0%
First Merchants Bank	7(a)	1,034	$733.0M	$709K	1.0%
Shoreham Bank	7(a)	391	$727.7M	$1.9M	0.0%
T Bank, National Association	7(a)	419	$711.5M	$1.7M	0.5%
HomeTrust Bank	7(a)	614	$708.5M	$1.2M	1.5%
Wilmington Savings Fund Society FSB	7(a)	862	$705.2M	$818K	0.7%
Lendistry SBLC, LLC	7(a)	3,389	$703.2M	$207K	0.5%
Intermountain Business Lending, Inc.	504	948	$697.7M	$736K	0.0%
First-Citizens Bank & Trust Company	7(a)	691	$689.3M	$997K	0.1%
Bank Five Nine	7(a)	838	$685.6M	$818K	0.1%
Port 51 Lending LLC	7(a)	462	$681.3M	$1.5M	0.0%
First Bank	7(a)	757	$674.7M	$891K	0.4%

In plain terms, the charge-off rate is how often a lender's SBA loans have gone bad. It is not a lifetime default rate, so read it as a relative signal; see the methodology. We are not a lender or broker.

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The independent data on every SBA lender.

Current rate environment

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New to SBA loans? Start here

How SBA Loans Work: 7(a) vs 504

Who Qualifies for an SBA Loan?

SBA Loan Rates and Fees, Explained

How to Choose an SBA Lender

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