SBA lending by metro area
SBA lenders in Phoenix, AZ
Which lenders fund Phoenix-area businesses, how much, and how the market compares with Arizona: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Phoenix area
Ranked by SBA volume funded to businesses located in the Phoenix 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 | Wells Fargo Bank National Association | 1,763 | $644.6M | $366K | 4.65% |
| 2 | Mortgage Capital Development Corporation | 441 | $560.4M | $1.3M | not reported |
| 3 | Arizona Capital Source | 830 | $515.1M | $621K | 4.29% |
| 4 | CDC Small Business Finance Corp. | 665 | $483.9M | $728K | 12.30% |
| 5 | Live Oak Banking Company | 359 | $463.8M | $1.3M | 1.67% |
| 6 | JPMorgan Chase Bank, National Association | 1,531 | $388.3M | $254K | 3.59% |
| 7 | Arizona Financial Credit Union | 347 | $307.1M | $885K | 5.19% |
| 8 | MidFirst Bank | 338 | $288.0M | $852K | 2.37% |
| 9 | Enterprise Bank & Trust | 324 | $235.7M | $728K | 0.00% |
| 10 | U.S. Bank, National Association | 831 | $230.9M | $278K | 3.61% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Phoenix compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Phoenix area | $289K ▲ 4.7% | 11.2% |
| Arizona | $276K | 11.2% |
| United States | $179K | 11.2% |
What gets funded in Phoenix
| Industry | Loans | Total funded |
|---|---|---|
| Health Care and Social Assistance | 2,267 | $1.3B |
| Accommodation and Food Services | 1,444 | $1.1B |
| Retail Trade | 1,590 | $912.0M |
| Manufacturing | 1,115 | $831.4M |
| Professional and Technical Services | 1,843 | $806.0M |
| Construction | 1,741 | $792.3M |
| Other Services | 1,548 | $785.0M |
| Wholesale Trade | 750 | $507.7M |
SBA lending in Phoenix by year
Geography, precisely
"Phoenix area" here means the Phoenix-Mesa-Chandler, AZ metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Maricopa County, AZ; Pinal County, AZ. 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.