Lender intelligence

Most active SBA lenders in Arkansas

Industry:

Arkansas has 77 FDIC-insured banks, but only a fraction fund business purchases. These 25 banks closed 218 SBA 7(a) loans in Arkansas 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 Arkansas acquisitions

$787K

Typical loan

range $342K–$1.66M

$874K

Est. purchase price

≈ loan ÷ 90%

$119,908

Cash to close

$87,444 down + fees

$10,184/mo

Typical payment

~9.5% · 10yr

$140,539/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

96.9%

Still performing

3.1% default · FY20–23

20 days

Typical time to fund

Lenders competing

more = leverage

7.37%

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.

1.29 loans · $35M · Arkadelphia, ARFull record →
2.10 loans · $20M · Greenbrier, ARFull record →
3.22 loans · $3M · Fayetteville, ARFull record →
4.19 loans · $5M · Bessemer, ALFull record →
5.3,264 loans · $846M · Miami, FLFull record →
6.3 loans · $2M · Minneapolis, MNFull record →
7.1,296 loans · $1.4B · Wilmington, NCFull record →
8.1,025 loans · $292M · Berkeley Heights, NJFull record →
9.2,539 loans · $965M · Columbus, OHFull record →
10.868 loans · $362M · Salt Lake City, UTFull record →
11.9 loans · $6M · Ash Flat, ARFull record →
12.155 loans · $58M · Mountain View, ARFull record →
13.22 loans · $20M · Little Rock, ARFull record →
14.78 loans · $53M · Birmingham, ALFull record →
15.21 loans · $5M · Spartanburg, SCFull record →
16.16 loans · $6M · Andover, KSFull record →
17.499 loans · $106M · Los Angeles, CAFull record →
18.1 loans · $0M · Union Star, MOFull record →
19.70 loans · $22M · Melrose, MNFull record →
20.1 loans · $1M · Pocahontas, ARFull record →
21.20 loans · $8M · Saint Petersburg, FLFull record →
22.4 loans · $2M · Little Rock, ARFull record →
23.575 loans · $220M · De Graff, OHFull record →
24.168 loans · $205M · Fishers, INFull record →
25.284 loans · $254M · Cincinnati, OHFull record →

256+ funded Arkansas 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.

ZUMHFEK FARM LLC in Ozark, AR — $4.4M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
243 months
SBA guaranteed
$3.3M (75%)
Approval → funding
21 days
Approved
11/14/2025
First disbursed
12/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
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
$4.8M
Est. down payment (10%)
$484K
Est. cash at closing
$669K
Monthly payment
$33,575
Annual debt service
$403K
Cash flow needed (1.25×)
$504K
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
Tum Hre in Clarksville, AR — $4.0M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
204 mo (17 yrs)
SBA guaranteed
$3.0M (75%)
Approved
2/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
1
Business age
Change of Ownership
Industry
Chicken Egg Production
If you were the buyer here
Est. deal size
$4.4M
Est. down payment (10%)
$442K
Est. cash at closing
$612K
Monthly payment
$32,865
Annual debt service
$394K
Cash flow needed (1.25×)
$493K
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
Stuttgart Valero Inc. in Stuttgart, AR — $2.0M (2026) · purchase · American Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
4 days
Approved
2/8/2026
First disbursed
2/12/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Change of Ownership
Industry
Gasoline Stations with Convenience Stores
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$226K
Est. cash at closing
$312K
Monthly payment
$16,747
Annual debt service
$201K
Cash flow needed (1.25×)
$251K
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 American Bank · Lender record →
Your business? Claim this record · Request removal
The Willow & Quill LLC in Jacksonville, AR — $1.5M (2026) · purchase · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approved
3/23/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Promoters of Performing Arts, Sports, and Similar Events wit
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$162K
Est. cash at closing
$223K
Monthly payment
$12,771
Annual debt service
$153K
Cash flow needed (1.25×)
$192K
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 Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
2120 S LOUISIANA STREET LLC in Little Rock, AR — $1.4M (2026) · purchase · FNBC Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
1 days
Approved
11/20/2025
First disbursed
11/21/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Bed-and-Breakfast Inns
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$159K
Est. cash at closing
$218K
Monthly payment
$11,977
Annual debt service
$144K
Cash flow needed (1.25×)
$180K
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 FNBC Bank · Lender record →
Your business? Claim this record · Request removal
Shirley's Flowers Inc. in Rogers, AR — $1.3M (2026) · purchase · Equity Bank
Program
Preferred Lenders Program
Rate at approval
7.757% variable
Term
288 mo (24 yrs)
SBA guaranteed
$968K (75%)
Approval → funding
16 days
Approved
12/30/2025
First disbursed
1/15/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$143K
Est. cash at closing
$197K
Monthly payment
$9,884
Annual debt service
$119K
Cash flow needed (1.25×)
$148K
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 Equity Bank · Lender record →
Your business? Claim this record · Request removal
Uk Farm in Mena, AR — $835K (2026) · purchase · First Financial Bank
Program
Preferred Lenders Program
Rate at approval
7.8% fixed
Term
240 mo (20 yrs)
SBA guaranteed
$626K (75%)
Approval → funding
4 days
Approved
2/23/2026
First disbursed
2/27/2026
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
$928K
Est. down payment (10%)
$93K
Est. cash at closing
$127K
Monthly payment
$6,881
Annual debt service
$83K
Cash flow needed (1.25×)
$103K
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
Fin and Feather, LLC in Heber Springs, AR — $500K (2026) · purchase · RiverBank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.84% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
45 days
Approved
12/23/2025
First disbursed
2/6/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Sporting Goods Retailers
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,024
Annual debt service
$72K
Cash flow needed (1.25×)
$90K
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 RiverBank · Lender record →
Your business? Claim this record · Request removal
RKH Investing LLC in Searcy, AR — $463K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$347K (75%)
Approved
1/21/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Other Building Finishing Contractors
If you were the buyer here
Est. deal size
$514K
Est. down payment (10%)
$51K
Est. cash at closing
$69K
Monthly payment
$5,991
Annual debt service
$72K
Cash flow needed (1.25×)
$90K
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
Toe Farm in Mena, AR — $350K (2026) · purchase · First Financial Bank
Program
Preferred Lenders Program
Rate at approval
7.8% fixed
Term
216 mo (18 yrs)
SBA guaranteed
$263K (75%)
Approved
1/29/2026
Loan status
Committed
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
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$3,020
Annual debt service
$36K
Cash flow needed (1.25×)
$45K
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
J. Garner LLC in Conway, AR — $202K (2026) · purchase · Simmons Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$152K (75%)
Approved
1/30/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Clothing and Clothing Accessories Retailers
If you were the buyer here
Est. deal size
$224K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,532
Annual debt service
$30K
Cash flow needed (1.25×)
$38K
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 Simmons Bank · Lender record →
Your business? Claim this record · Request removal
Horton Agency, LLC in Benton, AR — $171K (2026) · purchase · Southern Bancorp Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (75%)
Approved
12/16/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Insurance Agencies and Brokerages
If you were the buyer here
Est. deal size
$189K
Est. down payment (10%)
$19K
Est. cash at closing
$25K
Monthly payment
$2,046
Annual debt service
$25K
Cash flow needed (1.25×)
$31K
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 Southern Bancorp Bank · Lender record →
Your business? Claim this record · Request removal
RKH Investing LLC in Searcy, AR — $50K (2026) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
1/21/2026
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Other Building Finishing Contractors
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$647
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
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
Woodstock Marketing in Bella Vista, AR — $5.0M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
7 days
Approved
1/10/2025
First disbursed
1/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Change of Ownership
Industry
Furniture Merchant Wholesalers
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$63,338
Annual debt service
$760K
Cash flow needed (1.25×)
$950K
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
LAKE LIQUOR ARKANSAS LLC in Maumelle, AR — $5.0M (2025) · purchase · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
36 days
Approved
6/9/2025
First disbursed
7/15/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
35
Business age
Change of Ownership
Industry
Beer, Wine, and Liquor Retailers
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$66,075
Annual debt service
$793K
Cash flow needed (1.25×)
$991K
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 Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
PIC N TOTE TWO LLC in Fort Smith, AR — $3.9M (2025) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.9M (75%)
Approval → funding
65 days
Approved
11/5/2024
First disbursed
1/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Change of Ownership
Industry
Gasoline Stations with Convenience Stores
If you were the buyer here
Est. deal size
$4.3M
Est. down payment (10%)
$430K
Est. cash at closing
$594K
Monthly payment
$33,802
Annual debt service
$406K
Cash flow needed (1.25×)
$507K
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 T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
PIC N TOTE MIDLAND LLC in Fort Smith, AR — $3.8M (2025) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.8M (75%)
Approval → funding
65 days
Approved
11/5/2024
First disbursed
1/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Gasoline Stations with Convenience Stores
If you were the buyer here
Est. deal size
$4.2M
Est. down payment (10%)
$422K
Est. cash at closing
$583K
Monthly payment
$33,166
Annual debt service
$398K
Cash flow needed (1.25×)
$497K
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 T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
MYS Hazen Inc. in Hazen, AR — $3.6M (2025) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
306 months
SBA guaranteed
$2.7M (75%)
Approval → funding
21 days
Approved
10/1/2024
First disbursed
10/22/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Other Gasoline Stations
If you were the buyer here
Est. deal size
$4.0M
Est. down payment (10%)
$404K
Est. cash at closing
$558K
Monthly payment
$32,891
Annual debt service
$395K
Cash flow needed (1.25×)
$493K
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 T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
PIC N TOTE THREE LLC in Fort Smith, AR — $3.3M (2025) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
65 days
Approved
11/5/2024
First disbursed
1/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Change of Ownership
Industry
Gasoline Stations with Convenience Stores
If you were the buyer here
Est. deal size
$3.7M
Est. down payment (10%)
$372K
Est. cash at closing
$514K
Monthly payment
$29,251
Annual debt service
$351K
Cash flow needed (1.25×)
$439K
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 T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
US Best Building Solutions, LLC in Jonesboro, AR — $3.3M (2025) · purchase · Midwest BankCentre
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
216 mo (18 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
14 days
Approved
5/19/2025
First disbursed
6/2/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Change of Ownership
Industry
Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesale
If you were the buyer here
Est. deal size
$3.6M
Est. down payment (10%)
$364K
Est. cash at closing
$503K
Monthly payment
$31,728
Annual debt service
$381K
Cash flow needed (1.25×)
$476K
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 Midwest BankCentre · Lender record →
Your business? Claim this record · Request removal

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

The rankings above are the short list. Tell us your deal size and industry and we'll point you to the banks most likely to say yes in your market.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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 Arkansas project address.

Agent summary

The SBA 7(a) lenders most active in Arkansas over the trailing 12 months, from public loan records, led by Southern Bancorp Bank. 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
218 Arkansas loans (12 mo)
$787K typical acquisition loan
20 days typical to fund

Buyers buying in Arkansas 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/arkansas
API:: https://www.capbench.com/api/public/lenders?state=AR
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.