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Geography · SBA lending record

SBA lenders in Puerto Rico

1,966 SBA 7(a) loans in the last five years, from 11 different lenders. Here is who actually lends here.

Loans, last 5 years
1,966
Lent
$343.2M
last 5 fiscal years
Active lenders
11
wrote at least one loan
Typical loan
$75k
median approved
Default rate
2.2%
nationally 2.1%

Who lends here most

last 5 fiscal years
Lender Loans in PRTypical loan Typical rate
Banco Popular de Puerto Rico1,288$52kP+4.03
Oriental Bank448$115kP+2.38
FirstBank Puerto Rico177$95kP+3.36
Economic Development Bank for Puerto Rico · too few loans nationally for a page30$94kP+1.50
Corp. Financiamiento Empresarial del Comercio y Comunidades (COFECC) · too few loans nationally for a page11$112k
Cooperativa de Ahorro y Cr<ac,e>dito de Arecibo (COOPACA) · too few loans nationally for a page5$196k
BayFirst National Bank3$350kP+2.33
Paragon Bank1$4.0MP+2.75
Celtic Bank Corporation1$150kP+2.75
T Bank, National Association1$3.7MP+2.00

Banco Popular de Puerto Rico alone writes 66% of the SBA loans in Puerto Rico. That is worth knowing both ways — they clearly know this market, and you should still get a second quote, because a dominant lender has little reason to sharpen its pencil.

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
Offices of Physicians (except Mental Health Specialists)
7%
Full-Service Restaurants
6%
Offices of Physical, Occupational and Speech Therapists, and Audiologists
3%
Limited-Service Restaurants
2%
Pharmacies and Drug Retailers
2%
Offices of Chiropractors
2%
Everything else
76%

How big the loans are

Under $150k
69%
$150k – $350k
21%
$350k – $750k
7%
$750k – $2M
2%
Over $2M
1%

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

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.