SBA Loans — Lower Rates, Longer Terms, Government-Backed Security
Pro Capital helps you navigate SBA 7(a), Express, and Microloan programs from application to funding. One application, no hard credit pull, and a dedicated specialist guiding you every step of the way.
No credit score impact
SBA Loan Programs
Compare the three main SBA loan programs and find the right fit for your business.
SBA 7(a) Loan
No loan minimum or maximum
Terms: Up to 25 years
Rates: Starting at Prime + 1
- Most versatile SBA loan — use for working capital, expansion, equipment, real estate, or debt refinancing
- Lower down payments than conventional loans (as low as 10%)
- Longer repayment terms mean lower monthly payments
- Available to businesses with 2+ years in operation and strong cash flow
- Government guarantee reduces lender risk, improving your approval odds
SBA Express Loan
No loan minimum or maximum
Terms: Up to 10 years (25 for real estate)
Rates: Starting at Prime + 1
- Approval and funding timing depend on lender review
- Streamlined application with less paperwork than standard 7(a)
- Available as a term loan or revolving line of credit
- Great for businesses that need capital quickly but want SBA-backed terms
- 50% SBA guarantee (vs. 75–85% for standard 7(a))
SBA Microloan
No loan minimum or maximum
Terms: Up to 6 years
Rates: Starting at Prime + 1
- Designed for startups and early-stage small businesses
- Can be used for working capital, inventory, supplies, equipment, or furniture
- Provided through nonprofit community-based lenders
- May include business training and technical assistance
- Ideal for businesses that don't yet qualify for larger SBA programs
Why Apply for SBA Loans Through Pro Capital?
One Application, Multiple SBA Lenders
Your single application reaches our entire network of preferred SBA lenders, maximizing your chances of approval.
No Hard Credit Pull
We use a soft credit check to evaluate your options — your credit score stays protected.
Dedicated Funding Specialist
A real person guides you through the SBA process, handles paperwork, and advocates for your business.
SBA Loan FAQs
Common questions about SBA loan programs.
(This list was updated 2/2026)
Top SBA Lenders in 2025
There are more than 1,400 SBA lenders nationwide. The following 50 lenders issued the majority of all SBA capital in 2025. The lenders are sorted by the amount of SBA capital issued.
Lending $1 Billion or more
- Live Oak Banking Company
- Newtek Bank
- Huntington National Bank
- Northeast Bank
- Readycap Lending
Lending $250 Million to $999 Million
- U.S. Bank
- First Internet Bank
- Celtic Bank Corp
- Chase Bank
- Byline Bank
- GBank
- Wells Fargo Bank
- Bank of America
- TD Bank
- Harvest Small Business Finance
- First Bank of the Lake
- Cadence Bank
- Lendistry SBLC, LLC
- United Midwest Savings Bank
- Port 51 Lending
- BayFirst National Bank
- Bank of Hope
- Manufacturers and Traders Trust Company
- Enterprise Bank & Trust
- US Metro Bank
- Beacon Bank and Trust
- Pathward National
Lending $100 Million to $249 Million
- Zions Bank
- Veritex Community Bank
- KeyBank
- Trulliant FCU
- Open Bank
- Citizens Bank
- Community Bank / Acclivity
- Old National Bank
- T Bank
- First National Bank
- VelocitySBA
- Hanmi Bank
- First Financial Bank
- Fifth Third Bank
- Dogwood State Bank
- Pinnacle Bank
- Centerstone SBA Lending
- Regions Bank
- PCB Bank
- The Bancorp Bank
- Northwest Bank
- United Community Bank
- Gulf Coast Bank and Trust
Choosing a Lender
Banks have different appetites and requirements for loans. They often prefer specific locations, loan sizes, financing terms, loan covenants, industries, and asset amounts. Some lenders may reject your loan, while others may approve it. Focus on banks that prefer opportunities like yours.
Ready to See If You Qualify for an SBA Loan?
It takes less than 60 seconds to apply. No obligation, and no impact to your credit score.