SBA Loans by State
SBA loan programs and rates are set federally β the same rules apply in all 50 states. What differs by state is your local SBA district office, lender network, and free advising resources.
Strong manufacturing and fintech sector. Hartford and New Haven are active SBA lending markets.
Boston is one of the top SBA lending cities in the nation. Strong tech startup and healthcare ecosystem.
Active fishing, forestry, tourism, and manufacturing SBA lending. Strong rural lending programs.
No state income or sales tax makes NH attractive for business formation. Active SBA lending in Manchester.
Providence is the lending hub. Strong healthcare, design, and manufacturing SBA loans.
Agriculture, craft beverage, and tourism are dominant SBA loan sectors. Active USDA-SBA combination programs.
One of the highest SBA loan volumes in the U.S. Active pharma, logistics, and retail sectors.
Three SBA district offices (New York City, Syracuse, Buffalo). NYC is among the top 3 SBA lending markets nationally.
SBA programs fully available to businesses in Puerto Rico. Manufacturing and tourism are key sectors.
Federal contracting is the dominant SBA use case. 8(a) certification and HUBZone programs are especially active here.
Favorable incorporation laws attract holding companies. SBA lending through Philadelphia district also serves Delaware.
Strong federal contracting and cybersecurity sectors. Baltimore and Bethesda are active SBA markets.
Two districts: Philadelphia and Pittsburgh. Manufacturing, healthcare, and energy are top SBA sectors.
Federal contracting hub. Northern Virginia tech corridor and Hampton Roads are major SBA lending markets.
Energy transition, healthcare, and tourism are growing SBA lending sectors. Rural lending programs active.
Aerospace, automotive, and agriculture are key SBA sectors. Birmingham and Huntsville are top lending markets.
Three SBA districts (Jacksonville, Miami, Tampa). Among the highest SBA loan volumes nationally. Tourism, construction, and healthcare lead.
Atlanta is a top-10 SBA lending market. Logistics, tech, and film industry are active SBA sectors.
Bourbon industry, automotive, and logistics are major SBA sectors. Louisville and Lexington are key markets.
Agriculture, healthcare, and shipbuilding are primary SBA sectors. Rural lending programs are especially active.
Research Triangle, Charlotte fintech, and tourism are top SBA lending sectors. Very active 504 commercial real estate market.
Manufacturing, aerospace, and agribusiness are leading SBA sectors. Growing tech corridor in Greenville.
Music, healthcare, and logistics are strong SBA sectors. Nashville is one of the fastest-growing SBA lending markets.
Chicago is a top-5 SBA lending city. Finance, food & beverage, and logistics dominate.
Manufacturing, pharma (Eli Lilly), and ag-tech are strong SBA sectors. Indianapolis and Fort Wayne are key markets.
Automotive, advanced manufacturing, and clean energy are top SBA sectors. Detroit and Grand Rapids are primary markets.
Medical devices, food processing, and agriculture are key SBA sectors. Twin Cities lead lending volume.
Two districts (Cleveland, Columbus). Manufacturing, healthcare, and fintech are top sectors.
Dairy, manufacturing, and healthcare are leading SBA sectors. Milwaukee and Madison are primary lending markets.
Agriculture, retail (Walmart HQ), and logistics are strong SBA sectors. Rural lending programs very active.
Energy, seafood, and tourism are key SBA sectors. Disaster loan programs are also frequently utilized.
Native American-owned business loans, tourism, and federal contracting are major SBA uses.
Energy, agriculture, and aerospace are primary SBA sectors. Oklahoma City and Tulsa lead lending volume.
Five SBA districts (Dallas, El Paso, Houston, Lubbock, San Antonio). One of the highest SBA lending states. Energy, tech, and real estate dominate.
Agriculture, food processing, and renewable energy are primary SBA sectors. Des Moines and Cedar Rapids lead.
Aviation (Wichita), agriculture, and energy are top SBA sectors. Active rural and farm-related SBA programs.
Healthcare, finance, and agriculture are key sectors. Kansas City and St. Louis each have active SBA markets.
Agriculture, food processing, and telecom are primary SBA sectors. Omaha has a strong financial services lending market.
Aerospace, outdoor recreation, cannabis (state programs, not SBA), and technology are strong sectors. Denver is a top SBA market.
Agriculture, tourism, and renewable energy are top SBA sectors. Rural lending programs are particularly active.
Agriculture, energy (oil and wind), and technology are primary SBA sectors. Fargo leads lending volume.
No state corporate or personal income tax. Agriculture, tourism (Mount Rushmore corridor), and healthcare are key SBA sectors.
Silicon Slopes tech corridor, outdoor recreation, and healthcare are strong SBA sectors. Salt Lake City has rapid SBA lending growth.
Energy, agriculture, and tourism are primary sectors. No state income tax. Rural lending programs very active.
Technology, real estate, and healthcare are top SBA sectors. Phoenix and Tucson are primary lending markets with fast growth.
Six SBA districts β the most of any state. Technology (Silicon Valley), agriculture (Central Valley), entertainment, and real estate are top sectors. #1 state for SBA loan volume.
Tourism, agriculture, and federal contracting are top SBA sectors. High cost of living creates strong demand for SBA real estate loans.
Hospitality, real estate, and technology are leading SBA sectors. Las Vegas and Reno have very active SBA lending markets.
Fishing, tourism, and oil-support industries are primary SBA sectors. Special rural lending programs available.
Agriculture, technology (Boise tech hub), and outdoor recreation are growing SBA sectors.
Technology (Portland), agriculture (Willamette Valley wine), and outdoor recreation are key SBA sectors.
Two districts (Seattle, Spokane). Technology (Amazon, Microsoft ecosystem), aerospace (Boeing), and agriculture are top SBA sectors. Seattle is a top-10 national SBA market.
SBA Loan Rates β Same in Every State
Because rates are set by federal SBA policy, every business β regardless of location β has access to the same maximums.
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