SBA lending by metro area
SBA lenders in Birmingham, AL
Which lenders fund Birmingham-area businesses, how much, and how the market compares with Alabama: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Birmingham area
Ranked by SBA volume funded to businesses located in the Birmingham metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Birmingham Citywide Local Development Company | 191 | $129.2M | $677K | not reported |
| 2 | Southern Development Council | 142 | $86.9M | $612K | not reported |
| 3 | Florida Business Development Corporation | 60 | $61.1M | $1.0M | not reported |
| 4 | United Community Bank | 78 | $54.6M | $700K | 7.69% |
| 5 | Live Oak Banking Company | 39 | $51.9M | $1.3M | 2.56% |
| 6 | Regions Bank | 86 | $47.1M | $548K | 2.33% |
| 7 | PNC Bank, National Association | 311 | $46.3M | $149K | 7.07% |
| 8 | The Huntington National Bank | 98 | $45.4M | $463K | 2.04% |
| 9 | Pinnacle Bank | 48 | $45.3M | $943K | 0.00% |
| 10 | ServisFirst Bank | 49 | $42.9M | $875K | 6.12% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Birmingham compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Birmingham area | $251K | 17.0% ▲ 1.1 pts |
| Alabama | $250K | 16.0% |
| United States | $179K | 11.2% |
What gets funded in Birmingham
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 365 | $286.4M |
| Retail Trade | 332 | $163.2M |
| Health Care and Social Assistance | 260 | $161.3M |
| Other Services | 271 | $118.6M |
| Manufacturing | 144 | $93.3M |
| Professional and Technical Services | 236 | $87.1M |
| Construction | 205 | $80.5M |
| Wholesale Trade | 100 | $78.0M |
SBA lending in Birmingham by year
Geography, precisely
"Birmingham area" here means the Birmingham, AL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Bibb County, AL; Blount County, AL; Chilton County, AL; Jefferson County, AL; Shelby County, AL; St. Clair County, AL; Walker County, AL. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.