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Geography · SBA lending record

SBA lenders in Illinois

8,081 SBA 7(a) loans in the last five years, from 267 different lenders. Here is who actually lends here.

Loans, last 5 years
8,081
Lent
$4.27B
last 5 fiscal years
Active lenders
267
wrote at least one loan
Typical loan
$200k
median approved
6.7%
nationally 5.7%

Who lends here most

last 5 fiscal years
Lender Loans in ILTypical loan Median rate
The Huntington National Bank2,020$95kP+2.21
U.S. Bank, National Association584$45kP+3.20
Byline Bank357$838kP+2.56
JPMorgan Chase Bank, National Association354$200kP+3.37
BayFirst National Bank274$150kP+4.20
Northeast Bank246$100kP+3.00
Readycap Lending, LLC223$50kP+4.70
Newtek Bank, National Association212$214kP+3.61
Live Oak Banking Company172$718kP+1.67
Village Bank and Trust, National Association127$475kP+0.91

Volume is not quality — but a lender who does hundreds of deals in your state knows your market, and probably your industry too.

What gets funded here

by industry
General Freight Trucking, Long-Distance, Truckload
6%
Full-Service Restaurants
5%
Limited-Service Restaurants
3%
General Freight Trucking, Local
2%
Residential Remodelers
2%
Hotels (except Casino Hotels) and Motels
2%
Everything else
78%

How big the loans are

Under $150k
47%
$150k – $350k
19%
$350k – $750k
15%
$750k – $2M
12%
Over $2M
6%

If your need sits in a band that barely exists here, widen your search to national lenders rather than assuming nobody will do it.

SBA 504 lending in Illinois

504 FOIA record

A 504 loan pairs a bank first mortgage with a fixed-rate second through a Certified Development Company — used mostly for owner-occupied property and heavy equipment. Here is who runs 504 deals in Illinois, and how they have performed.

504 loans since 2010
5,824
$4.6B in SBA seconds
Median project
$1.1M
bank first + 504 second
Default rate
5.6%
all 504 5.0%

CDCs most active in Illinois

Most-financed here: Full-Service Restaurants, Offices of Lawyers, Offices of Physicians, General Automotive Repair.

Match with a CDC for your project → How 504 works →

Next

Compare all lenders → Check your eligibility → Find your industry →

Source SBA 7(a) FOIA Released 2026-06-30 Basis where the project is, not where the bank is

SBA lending in other states

States with comparable volume, plus the three largest markets.