Lender intelligence

Most active SBA lenders in Montana

Industry:

Montana has 34 FDIC-insured banks, but only a fraction fund business purchases. These 25 banks closed 139 SBA 7(a) loans in Montana 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 Montana acquisitions

$530K

Typical loan

range $250K–$1.12M

$589K

Est. purchase price

≈ loan ÷ 90%

$78,764

Cash to close

$58,889 down + fees

$6,858/mo

Typical payment

~9.5% · 10yr

$94,640/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

99.3%

Still performing

0.7% default · FY20–23

17 days

Typical time to fund

Lenders competing

more = leverage

7.4%

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.

1.34 loans · $26M · Kalispell, MTFull record →
2.3 loans · $2M · Minneapolis, MNFull record →
3.1,296 loans · $1.4B · Wilmington, NCFull record →
4.26 loans · $26M · Billings, MTFull record →
5.3,264 loans · $846M · Miami, FLFull record →
6.4 loans · $1M · Dickinson, NDFull record →
7.575 loans · $220M · De Graff, OHFull record →
8.318 loans · $229M · Osage Beach, MOFull record →
9.129 loans · $234M · New York, NYFull record →
10.868 loans · $362M · Salt Lake City, UTFull record →
11.1,025 loans · $292M · Berkeley Heights, NJFull record →
12.7 loans · $3M · Laurel, MTFull record →
13.2 loans · $2M · Ronan, MTFull record →
14.4 loans · $2M · Helena, MTFull record →
15.15 loans · $2M · Missoula, MTFull record →
16.741 loans · $149M · Northbrook, ILFull record →
17.105 loans · $164M · Brookline, MAFull record →
18.20 loans · $8M · Saint Petersburg, FLFull record →
19.1 loans · $2M · Kalispell, MTFull record →
20.83 loans · $31M · Sandy, UTFull record →
21.46 loans · $27M · Sartell, MNFull record →
22.19 loans · $5M · Bessemer, ALFull record →
23.72 loans · $30M · Oconomowoc, WIFull record →
24.2 loans · $0M · Pittsfield, ILFull record →
25.57 loans · $74M · Winston-Salem, NCFull record →

236+ funded Montana 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.

Granite Point LLC in Bozeman, MT — $4.9M (2026) · purchase · Community Bank & Trust-West Georgia
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.7M (75%)
Approved
11/19/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Change of Ownership
Industry
Other Building Material Dealers
If you were the buyer here
Est. deal size
$5.5M
Est. down payment (10%)
$549K
Est. cash at closing
$759K
Monthly payment
$63,922
Annual debt service
$767K
Cash flow needed (1.25×)
$959K
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 Community Bank & Trust-West Georgia
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Prosperity Launch, LLC in Helena, MT — $4.8M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.6M (75%)
Approval → funding
17 days
Approved
1/9/2026
First disbursed
1/26/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Professional and Management Development Training
If you were the buyer here
Est. deal size
$5.3M
Est. down payment (10%)
$528K
Est. cash at closing
$730K
Monthly payment
$57,005
Annual debt service
$684K
Cash flow needed (1.25×)
$855K
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
Heights Ace Hardware in Billings, MT — $3.3M (2026) · purchase · First Interstate Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.4M (75%)
Approval → funding
31 days
Approved
1/27/2026
First disbursed
2/27/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
28
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$3.6M
Est. down payment (10%)
$362K
Est. cash at closing
$500K
Monthly payment
$39,097
Annual debt service
$469K
Cash flow needed (1.25×)
$586K
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 Interstate Bank · Lender record →
Your business? Claim this record · Request removal
Radhe Inc in Miles City, MT — $2.4M (2026) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.8M (75%)
Approval → funding
30 days
Approved
1/13/2026
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
8
Business age
Change of Ownership
Industry
Hotels (except Casino Hotels) and Motels
If you were the buyer here
Est. deal size
$2.7M
Est. down payment (10%)
$266K
Est. cash at closing
$366K
Monthly payment
$19,649
Annual debt service
$236K
Cash flow needed (1.25×)
$295K
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 Celtic Bank Corporation · Lender record →
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Bowers Market MT LLC in Corvallis, MT — $1.9M (2026) · purchase · Harvest Small Business Finance, LLC
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
15 days
Approved
12/29/2025
First disbursed
1/13/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Gasoline Stations with Convenience Stores
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$212K
Est. cash at closing
$291K
Monthly payment
$16,967
Annual debt service
$204K
Cash flow needed (1.25×)
$255K
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 Harvest Small Business Finance, LLC · Lender record →
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DP Logistics Corporation in Billings, MT — $1.6M (2026) · purchase · First Financial Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
13 days
Approved
11/19/2025
First disbursed
12/2/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
28
Business age
Change of Ownership
Industry
General Freight Trucking, Local
If you were the buyer here
Est. deal size
$1.7M
Est. down payment (10%)
$174K
Est. cash at closing
$239K
Monthly payment
$19,404
Annual debt service
$233K
Cash flow needed (1.25×)
$291K
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
ENVISION AESTHETICS AND WELLNESS GROUP LLC in Kalispell, MT — $968K (2026) · purchase · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$726K (75%)
Approval → funding
17 days
Approved
2/27/2026
First disbursed
3/16/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$108K
Est. cash at closing
$147K
Monthly payment
$12,526
Annual debt service
$150K
Cash flow needed (1.25×)
$188K
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 →
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TH Ventures, LLC in Helena, MT — $916K (2026) · purchase · Glacier Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$687K (75%)
Approval → funding
22 days
Approved
11/24/2025
First disbursed
12/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
General Automotive Repair
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$102K
Est. cash at closing
$140K
Monthly payment
$14,050
Annual debt service
$169K
Cash flow needed (1.25×)
$211K
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 Glacier Bank · Lender record →
Your business? Claim this record · Request removal
Road Angel, Professional LLC in Kalispell, MT — $880K (2026) · purchase · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$660K (75%)
Approved
1/30/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$978K
Est. down payment (10%)
$98K
Est. cash at closing
$134K
Monthly payment
$11,387
Annual debt service
$137K
Cash flow needed (1.25×)
$171K
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
Cannon Law Group LLC in Columbia Falls, MT — $704K (2026) · purchase · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$528K (75%)
Approved
1/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Offices of Lawyers
If you were the buyer here
Est. deal size
$782K
Est. down payment (10%)
$78K
Est. cash at closing
$107K
Monthly payment
$9,110
Annual debt service
$109K
Cash flow needed (1.25×)
$137K
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 Merchants Bank · Lender record →
Your business? Claim this record · Request removal
Cold Stone Creamery Billings in Billings, MT — $605K (2026) · purchase · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$454K (75%)
Approval → funding
34 days
Approved
1/16/2026
First disbursed
2/19/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
93
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$672K
Est. down payment (10%)
$67K
Est. cash at closing
$90K
Monthly payment
$7,582
Annual debt service
$91K
Cash flow needed (1.25×)
$114K
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 Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Brad Huber CPA PLLC in Polson, MT — $525K (2026) · purchase · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$394K (75%)
Approved
1/16/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Offices of Certified Public Accountants
If you were the buyer here
Est. deal size
$583K
Est. down payment (10%)
$58K
Est. cash at closing
$78K
Monthly payment
$6,722
Annual debt service
$81K
Cash flow needed (1.25×)
$101K
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
NBC Billings LLC in Billings, MT — $400K (2026) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approval → funding
6 days
Approved
12/18/2025
First disbursed
12/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$4,593
Annual debt service
$55K
Cash flow needed (1.25×)
$69K
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 Zions Bank, A Division of · Lender record →
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Golden Options LLC in Clancy, MT — $300K (2026) · purchase · Bank Five Nine
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approved
1/8/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Assisted Living Facilities for the Elderly
If you were the buyer here
Est. deal size
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$3,600
Annual debt service
$43K
Cash flow needed (1.25×)
$54K
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 Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
TH Ventures, LLC in Helena, MT — $50K (2026) · purchase · Glacier Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
22 days
Approved
11/24/2025
First disbursed
12/16/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
General Automotive Repair
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$594
Annual debt service
$7K
Cash flow needed (1.25×)
$9K
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 Glacier Bank · Lender record →
Your business? Claim this record · Request removal
Bozeman Liquid Provisions LLC in Bozeman, MT — $5.0M (2025) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
14 days
Approved
12/17/2024
First disbursed
12/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
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
$68,169
Annual debt service
$818K
Cash flow needed (1.25×)
$1.0M
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 Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal
ROMANARCH INC. in Hamilton, MT — $5.0M (2025) · purchase · Truliant FCU
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
179 months
SBA guaranteed
$3.8M (75%)
Approval → funding
11 days
Approved
4/28/2025
First disbursed
5/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Change of Ownership
Industry
Meat Processed from Carcasses
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$53,860
Annual debt service
$646K
Cash flow needed (1.25×)
$808K
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 Truliant FCU · Lender record →
Your business? Claim this record · Request removal
Big Sky Landscaping and Irrigation LLC in Gallatin Gateway, MT — $3.4M (2025) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.5M (75%)
Approved
4/4/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Change of Ownership
Industry
Landscape Architectural Services
If you were the buyer here
Est. deal size
$3.7M
Est. down payment (10%)
$373K
Est. cash at closing
$515K
Monthly payment
$43,900
Annual debt service
$527K
Cash flow needed (1.25×)
$658K
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
Clarity Management Partners LLC in Bozeman, MT — $3.1M (2025) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.3M (75%)
Approval → funding
36 days
Approved
12/23/2024
First disbursed
1/28/2025
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
Offices of Mental Health Practitioners (except Physicians)
If you were the buyer here
Est. deal size
$3.4M
Est. down payment (10%)
$343K
Est. cash at closing
$474K
Monthly payment
$41,695
Annual debt service
$500K
Cash flow needed (1.25×)
$625K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
Fairbridge Inn Billings in Billings, MT — $2.1M (2025) · purchase · First Western SBLC, Inc
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
12 days
Approved
6/26/2025
First disbursed
7/8/2025
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
Hotels (except Casino Hotels) and Motels
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$237K
Est. cash at closing
$327K
Monthly payment
$17,192
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 Western SBLC, Inc
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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 Montana project address.

Agent summary

The SBA 7(a) lenders most active in Montana over the trailing 12 months, from public loan records, led by Glacier 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
139 Montana loans (12 mo)
$530K typical acquisition loan
17 days typical to fund

Buyers buying in Montana 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

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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/montana
API:: https://www.capbench.com/api/public/lenders?state=MT
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.