Independent reference built on public SBA FOIA loan data. Not affiliated with the U.S. Small Business Administration.

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Search every lender, state, district, industry, franchise, guide, study, and tool. Runs on the published site.

Methodology & ranking

The SBA Lender Score

A transparent 0–100 rating of an SBA lender’s lending profile (scale, track record, activity, and consistency), computed only from the public SBA record. Published method, never pay-to-play.

We score 1,648 SBA lenders (those with at least 20 funded loans; below that we report "insufficient data," not a low score). The score is a relative profile signal to help shortlist and benchmark, not a prediction that you'll be approved, not a guarantee, and not financial advice.

How it's scored

Four pillars, published and fixed weights. Every lender page shows the full breakdown.

Track record

35%

The 7(a) charge-off rate, shrunk toward the population mean so small samples aren’t over-trusted. Not reported for 504-only lenders (charge-off is a 7(a)-only field).

Scale

25%

SBA loan count and funded volume: experience and commitment to the program.

Activity

25%

Recent lending volume and trajectory: actively lending now, not just historically.

Consistency

15%

Years active and volume stability: steady, reliable lending.

Elite 90–100 Strong 75–89 Solid 55–74 Active 40–54 Emerging below 40
How we keep it honest. Charge-off is 7(a)-only and not a lifetime/seasoned rate; small samples are shrunk toward the mean so a handful of clean loans isn't read as a perfect record; 504-only lenders are scored on the other three pillars and labeled. The score does not yet risk-adjust for the industries and loan sizes a lender serves, so a lender that serves harder or underserved borrowers may score lower on track record despite expanding access, a limitation we're transparent about and working to correct. The weights are published and fixed, and rankings are never sold. See our methodology.

Top-scored SBA lenders

By SBA Lender Score, FY2010–2026 (as of 2026-03-31).

# Lender Score Tier Loans Volume 7(a) charge-off
1 Enterprise Bank & Trust 96 Elite 5,258 $5.3B 0.6%
2 Small Business Growth Corporation 96 Elite 3,247 $2.6B n/r
3 Granite State Economic Development Corporation 96 Elite 3,770 $2.0B n/r
4 WBD, Inc. 95 Elite 3,159 $2.6B n/r
5 Live Oak Banking Company 94 Elite 17,169 $22.6B 1.1%
6 Harvest Small Business Finance, LLC 94 Elite 2,707 $3.0B 0.1%
7 Open Bank 94 Elite 2,091 $2.7B 0.9%
8 Midwest Business Finance Corporation 94 Elite 1,960 $1.2B n/r
9 Bank of America, National Association 93 Elite 6,699 $3.0B 1.0%
10 Bay Area Employment Development Company 93 Elite 1,351 $1.3B n/r
11 Capital Access Group, Inc. 93 Elite 1,317 $1.2B n/r
12 New England Certified Development Corporation 93 Elite 1,553 $1.1B n/r
13 Bay Colony Development Corporation 93 Elite 1,807 $1.1B n/r
14 Southland Economic Development Corporation 93 Elite 1,054 $925.9M n/r
15 Readycap Lending, LLC 92 Elite 11,094 $5.3B 1.3%
16 Metro City Bank 92 Elite 2,618 $3.5B 1.4%
17 Commonwealth Business Bank 92 Elite 2,489 $2.7B 1.2%
18 Northwest Business Development Association 92 Elite 1,242 $1.1B n/r
19 Twin Cities-Metro Certified Development Company 92 Elite 1,208 $933.6M n/r
20 Business Expansion Funding Corporation 92 Elite 1,087 $901.7M n/r
21 Newtek Bank, National Association 91 Elite 12,026 $5.3B 0.0%
22 SouthState Bank, National Association 91 Elite 4,209 $3.1B 1.9%
23 GBank 91 Elite 1,073 $2.6B 0.7%
24 First Bank of the Lake 91 Elite 2,429 $2.0B 1.0%
25 US Metro Bank 91 Elite 936 $1.6B 1.0%
26 TowneBank 91 Elite 1,376 $1.1B 0.9%
27 North Texas Certified Development Corporation 91 Elite 795 $865.4M n/r
28 Rural Missouri, Inc. 91 Elite 1,086 $828.4M n/r
29 Capital Partners Certified Development Company 91 Elite 720 $767.2M n/r
30 KeyBank National Association 90 Elite 12,187 $4.3B 2.6%
31 BMO Bank National Association 90 Elite 4,436 $2.9B 1.9%
32 PCB Bank 90 Elite 2,490 $2.2B 1.8%
33 Northwest Bank 90 Elite 2,272 $1.0B 1.5%
34 Shoreham Bank 90 Elite 522 $908.0M 0.8%
35 City National Bank 90 Elite 1,096 $751.7M 0.9%
36 Intermountain Business Lending, Inc. 90 Elite 948 $697.7M n/r
37 Cen Cal Business Finance Group 90 Elite 892 $650.7M n/r
38 Great Lakes Commercial Finance 90 Elite 971 $605.3M n/r
39 Hancock Whitney Bank 90 Elite 1,180 $603.7M 1.2%
40 Alloy Development Co., Inc. 90 Elite 775 $578.6M n/r
41 America First FCU 90 Elite 843 $575.6M 0.6%
42 Indiana Statewide Certified Development Corporation 90 Elite 731 $558.5M n/r
43 Washington Trust Bank 90 Elite 1,104 $479.1M 0.9%
44 The Huntington National Bank 89 Strong 81,618 $19.2B 3.0%
45 Florida First Capital Finance Corporation, Inc. 89 Strong 4,426 $4.0B 0.0%
46 First Financial Bank 89 Strong 5,398 $3.2B 2.8%
47 First Internet Bank of Indiana 89 Strong 2,045 $2.5B 1.9%
48 Bank Five Nine 89 Strong 2,729 $1.7B 2.4%
49 Glacier Bank 89 Strong 3,407 $1.3B 1.8%
50 First Commonwealth Bank 89 Strong 1,852 $1.1B 1.7%
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