SBA lending by metro area
SBA lenders in Cleveland, TN
Which lenders fund Cleveland-area businesses, how much, and how the market compares with Tennessee: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Cleveland area
Ranked by SBA volume funded to businesses located in the Cleveland 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 | Live Oak Banking Company | 19 | $25.3M | $1.3M | not reported |
| 2 | Brightbridge, Inc. | 11 | $14.2M | $1.3M | not reported |
| 3 | Builtwell Bank | 5 | $6.8M | $1.4M | not reported |
| 4 | First Financial Bank | 10 | $6.2M | $620K | not reported |
| 5 | SouthState Bank, National Association | 5 | $3.6M | $730K | not reported |
| 6 | Regions Bank | 5 | $2.2M | $433K | not reported |
| 7 | BayFirst National Bank | 5 | $789K | $158K | not reported |
| 8 | VelocitySBA, LLC | 7 | $88K | $13K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Cleveland compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Cleveland area | $350K ▲ 40.0% | 7.6% ▲ 2.3 pts |
| Tennessee | $250K | 5.3% |
| United States | $179K | 11.2% |
What gets funded in Cleveland
| Industry | Loans | Total funded |
|---|---|---|
| Agriculture, Forestry, Fishing | 36 | $38.4M |
| Accommodation and Food Services | 24 | $36.7M |
| Manufacturing | 8 | $9.6M |
| Other Services | 9 | $7.4M |
| Retail Trade | 16 | $5.3M |
| Health Care and Social Assistance | 11 | $3.4M |
| Arts, Entertainment, Recreation | 8 | $3.0M |
SBA lending in Cleveland by year
Geography, precisely
"Cleveland area" here means the Cleveland, TN metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Bradley County, TN; Polk County, TN. 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.