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Geography · SBA lending record

SBA lenders in South Dakota

556 SBA 7(a) loans in the last five years, from 71 different lenders. Here is who actually lends here.

Loans, last 5 years
556
Lent
$234.7M
last 5 fiscal years
Active lenders
71
wrote at least one loan
Typical loan
$150k
median approved
5.1%
nationally 5.7%

Who lends here most

last 5 fiscal years
Lender Loans in SDTypical loan Median rate
Black Hills FCU65$78kP+1.79
The First National Bank in Sioux Falls63$155kP+-0.35
First Bank & Trust · too few loans nationally for a page63$354kP+1.86
U.S. Bank, National Association41$30kP+2.80
First Interstate Bank35$276kP+0.85
Wells Fargo Bank National Association23$15kP+5.15
Levo Federal Credit Union · too few loans nationally for a page23$40k
Highmark FCU · too few loans nationally for a page19$100kP+0.71
Pioneer Bank & Trust · too few loans nationally for a page18$91kP+1.36
First National Bank16$158kP+0.75

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
Limited-Service Restaurants
4%
Full-Service Restaurants
3%
Snack and Nonalcoholic Beverage Bars
3%
General Freight Trucking, Local
3%
Landscaping Services
2%
Fitness and Recreational Sports Centers
2%
Everything else
82%

How big the loans are

Under $150k
52%
$150k – $350k
20%
$350k – $750k
13%
$750k – $2M
10%
Over $2M
5%

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 South Dakota

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 South Dakota, and how they have performed.

504 loans since 2010
1,256
$799.6M in SBA seconds
Median project
$876k
bank first + 504 second
Default rate
4.0%
all 504 5.0%

CDCs most active in South Dakota

Most-financed here: Full-Service Restaurants, Hotels (except Casino Hotels) and Mote…, General Automotive Repair, Offices of Physicians.

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

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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.