Calculator
Which lenders actually fund deals like yours?
Choosing the wrong lender can cost you weeks you don't have. Every other matcher in this business is really an auction — you become the lead. This one is just arithmetic on what 614 lenders have actually funded, so you can start with the ones who say yes to deals like yours.
Ranked purely by what each lender has actually funded — industry, loan size and state. No lender pays to appear here.
Lenders who have done this before
0 match · 0 excluded as too small| Lender | Loans in your industry | Loans for this use | Loans in your state | Practical minimum | Typical loan | Median rate | Approves in-house |
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Watch the practical minimum column — the 5th percentile of what each lender has actually funded, not a published floor. Banks rarely advertise a minimum, and borrowers routinely spend three weeks with one that was never going to write a loan their size. Anyone whose practical minimum is above your number has already been removed.
Approves in-house is the share of a lender's 7(a) loans made under Preferred Lender (PLP) authority — it can approve without sending your file to the SBA to re-underwrite, which is the biggest single driver of how fast a loan closes. A low figure often means the lender leans on SBA Express for small loans instead. Why speed comes down to the lender.
Use is read from the loan-level record: acquisition = SBA "change of ownership"; startup = a business the loan opens; franchise = a named franchise brand; real estate = a 25-year term, which SBA reserves for property. Pick a use and only lenders who have actually funded that kind of deal remain.
What to do with this list
Approach three, not one. Ask each whether they are a preferred lender, how many deals like yours they closed last year, and what spread they are quoting. Then check that quote against what others paid.
Common questions
How fast is an SBA loan through a PLP lender?
A Preferred Lender (PLP) can approve a 7(a) loan in-house without sending it back to the SBA to re-underwrite, which usually removes days to weeks. In the federal record, 56% of recent 7(a) loans went through PLP and another 37% through SBA Express — both delegated. When a loan drags, it is normally the lender’s own process, not the SBA. More on approval speed.
Why don’t big national banks rank at the top for my state?
The match is weighted 35% on how much a lender has actually funded in your state. A bank with thousands of loans nationwide but few in your state ranks below a regional lender who funds your area repeatedly. A lender with no loans in your state is not an exact match, however famous it is.
Does this send my information to lenders?
No. Nothing you enter leaves your browser. We take no applications and sell no leads — the ranking is arithmetic on the public federal record, not an auction.
What does “practical minimum” mean?
The 5th percentile of what a lender has actually funded — a realistic floor, not an advertised minimum. If a lender’s practical minimum is above your loan size, it has already been removed from your results.
Read the guide
Want the rules behind this calculator? SBA loan requirements walks through it in plain English — the SBA requirements, the data, and what lenders actually look for.