Lender intelligence

Most active SBA lenders in Alabama

Industry:

Alabama has 92 FDIC-insured banks, but only a fraction fund business purchases. These 25 banks closed 321 SBA 7(a) loans in Alabama in the last 12 months. A lender funding deals here every week knows the local market and moves faster — start at the top.

Deal economics— what it takes to buy & finance Alabama acquisitions

$800K

Typical loan

range $350K–$1.65M

$889K

Est. purchase price

≈ loan ÷ 90%

$121,889

Cash to close

$88,889 down + fees

$10,352/mo

Typical payment

~9.5% · 10yr

$142,858/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

97.5%

Still performing

2.5% default · FY20–23

18 days

Typical time to fund

Lenders competing

more = leverage

7.98%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

1.3,264 loans · $846M · Miami, FLFull record →
2.3 loans · $2M · Minneapolis, MNFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.1,296 loans · $1.4B · Wilmington, NCFull record →
5.11 loans · $2M · Birmingham, ALFull record →
6.1,025 loans · $292M · Berkeley Heights, NJFull record →
7.20 loans · $8M · Saint Petersburg, FLFull record →
8.575 loans · $220M · De Graff, OHFull record →
9.1 loans · $1M · Lincoln, NEFull record →
10.868 loans · $362M · Salt Lake City, UTFull record →
11.78 loans · $53M · Birmingham, ALFull record →
12.741 loans · $149M · Northbrook, ILFull record →
13.79 loans · $53M · Gulfport, MSFull record →
14.242 loans · $281M · Chicago, ILFull record →
15.5 loans · $5M · Prattville, ALFull record →
16.62 loans · $34M · Winter Haven, FLFull record →
17.318 loans · $229M · Osage Beach, MOFull record →
18.35 loans · $10M · Meridian, MSFull record →
19.32 loans · $54M · Tupelo, MSFull record →
20.149 loans · $135M · Mukwonago, WIFull record →
21.128 loans · $40M · Wilmington, DEFull record →
22.499 loans · $106M · Los Angeles, CAFull record →
23.19 loans · $5M · Bessemer, ALFull record →
24.274 loans · $315M · Los Angeles, CAFull record →
25.102 loans · $119M · Saint Petersburg, FLFull record →

407+ funded Alabama deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

AMBIKA HOSPITALITY LLC in Mobile, AL — $5.0M (2026) · purchase · GBank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approved
3/19/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Change of Ownership
Industry
Hotels (except Casino Hotels) and Motels
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$37,766
Annual debt service
$453K
Cash flow needed (1.25×)
$566K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by GBank · Lender record →
Your business? Claim this record · Request removal
Expedited Transport Agency, Inc. in Vestavia, AL — $4.9M (2026) · purchase · United Community Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.7M (75%)
Approval → funding
14 days
Approved
1/28/2026
First disbursed
2/11/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
87
Business age
Change of Ownership
Industry
Freight Transportation Arrangement
If you were the buyer here
Est. deal size
$5.5M
Est. down payment (10%)
$547K
Est. cash at closing
$757K
Monthly payment
$58,461
Annual debt service
$702K
Cash flow needed (1.25×)
$877K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by United Community Bank · Lender record →
Your business? Claim this record · Request removal
Day 21, LLC in Vestavia Hills, AL — $4.5M (2026) · purchase · Valley National Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.4M (75%)
Approval → funding
37 days
Approved
12/22/2025
First disbursed
1/28/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
32
Business age
Change of Ownership
Industry
Sporting and Recreational Goods and Supplies Merchant Wholes
If you were the buyer here
Est. deal size
$5.0M
Est. down payment (10%)
$498K
Est. cash at closing
$689K
Monthly payment
$55,583
Annual debt service
$667K
Cash flow needed (1.25×)
$834K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Valley National Bank · Lender record →
Your business? Claim this record · Request removal
Chappell Professional Group, PC in Birmingham, AL — $2.9M (2026) · purchase · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.2M (75%)
Approval → funding
37 days
Approved
12/1/2025
First disbursed
1/7/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Change of Ownership
Industry
Offices of Certified Public Accountants
If you were the buyer here
Est. deal size
$3.2M
Est. down payment (10%)
$320K
Est. cash at closing
$442K
Monthly payment
$35,695
Annual debt service
$428K
Cash flow needed (1.25×)
$535K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Alabama Aquarium and Pond Service, Inc. in Columbiana, AL — $2.3M (2026) · purchase · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.7M (75%)
Approved
3/26/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Change of Ownership
Industry
Research and Development in the Physical, Engineering, and L
If you were the buyer here
Est. deal size
$2.5M
Est. down payment (10%)
$253K
Est. cash at closing
$349K
Monthly payment
$28,531
Annual debt service
$342K
Cash flow needed (1.25×)
$428K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Thermal Holdings LLC in Madison, AL — $1.6M (2026) · purchase · Fifth Third Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
20 days
Approved
12/4/2025
First disbursed
12/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Air-Conditioning and Warm Air Heating Equipment and Commerci
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$182K
Est. cash at closing
$250K
Monthly payment
$20,775
Annual debt service
$249K
Cash flow needed (1.25×)
$312K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
New Hope Farm LLC in Columbia, AL — $1.4M (2026) · purchase · First Financial Bank
Program
Preferred Lenders Program
Rate at approval
7.8% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
20 days
Approved
1/29/2026
First disbursed
2/18/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Broilers and Other Meat Type Chicken Production
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$159K
Est. cash at closing
$218K
Monthly payment
$17,199
Annual debt service
$206K
Cash flow needed (1.25×)
$258K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by First Financial Bank · Lender record →
Your business? Claim this record · Request removal
Heptig Management Group LLC in Dothan, AL — $1.1M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$806K (75%)
Approved
2/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Other Personal Care Services
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$119K
Est. cash at closing
$164K
Monthly payment
$13,764
Annual debt service
$165K
Cash flow needed (1.25×)
$206K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Southeast Repair Services, Inc. in Dothan, AL — $986K (2026) · purchase · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$740K (75%)
Approval → funding
25 days
Approved
12/22/2025
First disbursed
1/16/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
General Automotive Repair
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$110K
Est. cash at closing
$150K
Monthly payment
$8,789
Annual debt service
$105K
Cash flow needed (1.25×)
$132K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
SANG BIK in Goshen, AL — $553K (2026) · purchase · Stone Bank
Program
Preferred Lenders Program
Rate at approval
9.75% fixed
Term
243 months
SBA guaranteed
$415K (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
4
Business age
Change of Ownership
Industry
Broilers and Other Meat Type Chicken Production
If you were the buyer here
Est. deal size
$615K
Est. down payment (10%)
$61K
Est. cash at closing
$82K
Monthly payment
$5,225
Annual debt service
$63K
Cash flow needed (1.25×)
$78K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Stone Bank · Lender record →
Your business? Claim this record · Request removal
Thermal Holdings LLC in Madison, AL — $500K (2026) · purchase · Fifth Third Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
19 days
Approved
12/5/2025
First disbursed
12/24/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Air-Conditioning and Warm Air Heating Equipment and Commerci
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,334
Annual debt service
$76K
Cash flow needed (1.25×)
$95K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
Yeouido Table LLC in Mobile, AL — $483K (2026) · purchase · PCB Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$362K (75%)
Approved
2/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$537K
Est. down payment (10%)
$54K
Est. cash at closing
$72K
Monthly payment
$6,053
Annual debt service
$73K
Cash flow needed (1.25×)
$91K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by PCB Bank · Lender record →
Your business? Claim this record · Request removal
Cabana Wax in Huntsville, AL — $461K (2026) · purchase · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$346K (75%)
Approved
3/31/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Other Personal Care Services
If you were the buyer here
Est. deal size
$512K
Est. down payment (10%)
$51K
Est. cash at closing
$69K
Monthly payment
$5,902
Annual debt service
$71K
Cash flow needed (1.25×)
$89K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
Ngun Tluang Lian in Henagar, AL — $428K (2026) · purchase · Stone Bank
Program
Preferred Lenders Program
Rate at approval
7.75% fixed
Term
216 mo (18 yrs)
SBA guaranteed
$321K (75%)
Approval → funding
47 days
Approved
12/12/2025
First disbursed
1/28/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
2
Business age
Change of Ownership
Industry
Broilers and Other Meat Type Chicken Production
If you were the buyer here
Est. deal size
$476K
Est. down payment (10%)
$48K
Est. cash at closing
$64K
Monthly payment
$3,680
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Stone Bank · Lender record →
Your business? Claim this record · Request removal
Athan Consulting LLC in Hoover, AL — $397K (2026) · purchase · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$297K (75%)
Approved
11/19/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$441K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$5,078
Annual debt service
$61K
Cash flow needed (1.25×)
$76K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Vest Plumbing, LLC in Crane Hill, AL — $333K (2026) · purchase · ServisFirst Bank
Program
7a General
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$249K (75%)
Approved
3/3/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
Est. deal size
$369K
Est. down payment (10%)
$37K
Est. cash at closing
$49K
Monthly payment
$4,078
Annual debt service
$49K
Cash flow needed (1.25×)
$61K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by ServisFirst Bank · Lender record →
Your business? Claim this record · Request removal
Picnics LLC in Birmingham, AL — $331K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$248K (75%)
Approved
2/23/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$368K
Est. down payment (10%)
$37K
Est. cash at closing
$49K
Monthly payment
$4,238
Annual debt service
$51K
Cash flow needed (1.25×)
$64K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
SOZO Wellness & Vitality LLC in Mobile, AL — $274K (2026) · purchase · Hancock Whitney Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$206K (75%)
Approved
3/23/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Offices of Physical, Occupational and Speech Therapists, and
If you were the buyer here
Est. deal size
$304K
Est. down payment (10%)
$30K
Est. cash at closing
$41K
Monthly payment
$3,508
Annual debt service
$42K
Cash flow needed (1.25×)
$53K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
LockCorp Inc in Pelham, AL — $270K (2026) · purchase · Millennial Bank
Program
7a General
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$203K (75%)
Approved
3/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$300K
Est. down payment (10%)
$30K
Est. cash at closing
$40K
Monthly payment
$3,384
Annual debt service
$41K
Cash flow needed (1.25×)
$51K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Millennial Bank · Lender record →
Your business? Claim this record · Request removal
A-1 Foliage in Cottonwood, AL — $219K (2026) · purchase · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$164K (75%)
Approved
12/1/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Flower, Nursery Stock, and Florists' Supplies Merchant Whole
If you were the buyer here
Est. deal size
$243K
Est. down payment (10%)
$24K
Est. cash at closing
$33K
Monthly payment
$2,864
Annual debt service
$34K
Cash flow needed (1.25×)
$43K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal

Buying in Alabama? Start with a lender that already funds deals here

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By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA lending records, trailing 12 months. Rankings count funded 7(a) loans with a Alabama project address.

Agent summary

The SBA 7(a) lenders most active in Alabama over the trailing 12 months, from public loan records, led by Newtek Bank, National Association. A lender that funds deals here every week underwrites faster and knows the local market. CapBench is not a lender.

25 active SBA lenders ranked
321 Alabama loans (12 mo)
$800K typical acquisition loan
18 days typical to fund

Buyers buying in Alabama typically pre-qualify, then ask CapBench to introduce a lender already closing deals here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/state/alabama
API:: https://www.capbench.com/api/public/lenders?state=AL
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.