Lender intelligence
Best SBA lenders for small loans under $350K (2026)
Plenty of banks won't bother with a small SBA loan. These lenders do — their typical funded loan is under $350,000, and they're ranked by how many loans they write, from public records. Loans up to $350K also skip the personal-guarantee collateral requirement, so a small-loan specialist is often the faster path.
The comparison
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- 1.2,539 loans · $965M · Columbus, OHTypical loan size: $254KFull record →
- 2.1,322 loans · $185M · Wilmington, DETypical loan size: $147KFull record →
- 3.3 loans · $2M · Minneapolis, MNTypical loan size: $157KFull record →
- 4.1,927 loans · $207M · Buffalo, NYTypical loan size: $128KFull record →
- 5.20 loans · $8M · Saint Petersburg, FLTypical loan size: $192KFull record →
- 6.575 loans · $220M · De Graff, OHTypical loan size: $332KFull record →
- 7.13 loans · $18M · Roseburg, ORTypical loan size: $339KFull record →
- 8.618 loans · $171M · Salt Lake City, UTTypical loan size: $308KFull record →
- 9.499 loans · $106M · Los Angeles, CATypical loan size: $207KFull record →
- 10.128 loans · $40M · Wilmington, DETypical loan size: $328KFull record →
- 11.196 loans · $21M · Boston, MATypical loan size: $153KFull record →
- 12.251 loans · $34M · San Juan, PRTypical loan size: $166KFull record →
- 13.154 loans · $26M · San Diego, CATypical loan size: $160KFull record →
- 14.19 loans · $5M · Roseville, CATypical loan size: $261KFull record →
- 15.99 loans · $43M · Walla Walla, WATypical loan size: $252KFull record →
- 16.741 loans · $149M · Northbrook, ILTypical loan size: $302KFull record →
- 17.42 loans · $7M · San Juan, PRTypical loan size: $166KFull record →
- 18.22 loans · $3M · Fayetteville, ARTypical loan size: $263KFull record →
- 19.31 loans · $8M · South Bend, INTypical loan size: $205KFull record →
- 20.20 loans · $1M · Honolulu, HITypical loan size: $67KFull record →
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How this ranking is built
CapBench analysis of public SBA 7(a) lending records — these lenders are the SBA 7(a) lenders whose typical (average) funded loan is at or under $350,000, ranked by funded-loan volume, from public records. We report the typical (not the median-of-medians) figure, exclude mega-bank call-center lenders, and never sell ranking position. “Best” is still deal-specific: the right lender is the one already funding deals like yours, priced at or under the rate cap. Full methodology →
Common questions
Which SBA loan is best for a small amount?
The standard 7(a) covers small loans, and amounts at or under $350,000 don't require a lender to take collateral up to the loan amount, which can speed approval. The lenders here specialize in that size range.
Why won't some banks do small SBA loans?
A small loan takes nearly the same paperwork as a big one but earns the bank far less, so many large lenders set high minimums. The lenders on this list build their business around smaller deals.
Can I get an SBA loan under $50,000?
Yes — through 7(a) Small loans and the SBA microloan program. A lender that regularly writes small loans is your best bet; the big-volume banks often pass.
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Best SBA lenders for small loans under $350K
This page ranks SBA 7(a) lenders for small loans under $350K — the SBA 7(a) lenders whose typical (average) funded loan is at or under $350,000, ranked by funded-loan volume, from public records. It shows each lender's typical loan size, the deal count behind it, and the typical funded loan, each linking to that lender's full public record. The Huntington National Bank leads the list. Mega-bank call-center lenders are excluded, and ranking position is never sold.
“Best” is deal-specific: the right lender is the one already funding deals like yours in your state, industry, and size, priced at or under the rate cap. This is general information, not legal, tax, or financial advice, and CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.