State Resources

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.

SBA loan rules are federal, not state-specific. Interest rate limits, guarantee percentages, loan maximums, and documentation requirements are identical nationwide. Your state determines which lenders are active, which SBDC centers serve you, and where your local SBA district office is located.

CT
Connecticut
SBA Region 1 Β· New England
1 office

Strong manufacturing and fintech sector. Hartford and New Haven are active SBA lending markets.

MA
Massachusetts
SBA Region 1 Β· New England
1 office

Boston is one of the top SBA lending cities in the nation. Strong tech startup and healthcare ecosystem.

ME
Maine
SBA Region 1 Β· New England
1 office

Active fishing, forestry, tourism, and manufacturing SBA lending. Strong rural lending programs.

NH
New Hampshire
SBA Region 1 Β· New England
1 office

No state income or sales tax makes NH attractive for business formation. Active SBA lending in Manchester.

RI
Rhode Island
SBA Region 1 Β· New England
1 office

Providence is the lending hub. Strong healthcare, design, and manufacturing SBA loans.

VT
Vermont
SBA Region 1 Β· New England
1 office

Agriculture, craft beverage, and tourism are dominant SBA loan sectors. Active USDA-SBA combination programs.

NJ
New Jersey
SBA Region 2 Β· Northeast
1 office

One of the highest SBA loan volumes in the U.S. Active pharma, logistics, and retail sectors.

NY
New York
SBA Region 2 Β· Northeast
3 offices

Three SBA district offices (New York City, Syracuse, Buffalo). NYC is among the top 3 SBA lending markets nationally.

PR
Puerto Rico
SBA Region 2 Β· Northeast
1 office

SBA programs fully available to businesses in Puerto Rico. Manufacturing and tourism are key sectors.

DC
Washington, D.C.
SBA Region 3 Β· Mid-Atlantic
1 office

Federal contracting is the dominant SBA use case. 8(a) certification and HUBZone programs are especially active here.

DE
Delaware
SBA Region 3 Β· Mid-Atlantic
1 office

Favorable incorporation laws attract holding companies. SBA lending through Philadelphia district also serves Delaware.

MD
Maryland
SBA Region 3 Β· Mid-Atlantic
1 office

Strong federal contracting and cybersecurity sectors. Baltimore and Bethesda are active SBA markets.

PA
Pennsylvania
SBA Region 3 Β· Mid-Atlantic
2 offices

Two districts: Philadelphia and Pittsburgh. Manufacturing, healthcare, and energy are top SBA sectors.

VA
Virginia
SBA Region 3 Β· Mid-Atlantic
1 office

Federal contracting hub. Northern Virginia tech corridor and Hampton Roads are major SBA lending markets.

WV
West Virginia
SBA Region 3 Β· Mid-Atlantic
1 office

Energy transition, healthcare, and tourism are growing SBA lending sectors. Rural lending programs active.

AL
Alabama
SBA Region 4 Β· Southeast
1 office

Aerospace, automotive, and agriculture are key SBA sectors. Birmingham and Huntsville are top lending markets.

FL
Florida
SBA Region 4 Β· Southeast
3 offices

Three SBA districts (Jacksonville, Miami, Tampa). Among the highest SBA loan volumes nationally. Tourism, construction, and healthcare lead.

GA
Georgia
SBA Region 4 Β· Southeast
1 office

Atlanta is a top-10 SBA lending market. Logistics, tech, and film industry are active SBA sectors.

KY
Kentucky
SBA Region 4 Β· Southeast
1 office

Bourbon industry, automotive, and logistics are major SBA sectors. Louisville and Lexington are key markets.

MS
Mississippi
SBA Region 4 Β· Southeast
1 office

Agriculture, healthcare, and shipbuilding are primary SBA sectors. Rural lending programs are especially active.

NC
North Carolina
SBA Region 4 Β· Southeast
1 office

Research Triangle, Charlotte fintech, and tourism are top SBA lending sectors. Very active 504 commercial real estate market.

SC
South Carolina
SBA Region 4 Β· Southeast
1 office

Manufacturing, aerospace, and agribusiness are leading SBA sectors. Growing tech corridor in Greenville.

TN
Tennessee
SBA Region 4 Β· Southeast
1 office

Music, healthcare, and logistics are strong SBA sectors. Nashville is one of the fastest-growing SBA lending markets.

IL
Illinois
SBA Region 5 Β· Midwest
1 office

Chicago is a top-5 SBA lending city. Finance, food & beverage, and logistics dominate.

IN
Indiana
SBA Region 5 Β· Midwest
1 office

Manufacturing, pharma (Eli Lilly), and ag-tech are strong SBA sectors. Indianapolis and Fort Wayne are key markets.

MI
Michigan
SBA Region 5 Β· Midwest
1 office

Automotive, advanced manufacturing, and clean energy are top SBA sectors. Detroit and Grand Rapids are primary markets.

MN
Minnesota
SBA Region 5 Β· Midwest
1 office

Medical devices, food processing, and agriculture are key SBA sectors. Twin Cities lead lending volume.

OH
Ohio
SBA Region 5 Β· Midwest
2 offices

Two districts (Cleveland, Columbus). Manufacturing, healthcare, and fintech are top sectors.

WI
Wisconsin
SBA Region 5 Β· Midwest
1 office

Dairy, manufacturing, and healthcare are leading SBA sectors. Milwaukee and Madison are primary lending markets.

AR
Arkansas
SBA Region 6 Β· South-Central
1 office

Agriculture, retail (Walmart HQ), and logistics are strong SBA sectors. Rural lending programs very active.

LA
Louisiana
SBA Region 6 Β· South-Central
1 office

Energy, seafood, and tourism are key SBA sectors. Disaster loan programs are also frequently utilized.

NM
New Mexico
SBA Region 6 Β· South-Central
1 office

Native American-owned business loans, tourism, and federal contracting are major SBA uses.

OK
Oklahoma
SBA Region 6 Β· South-Central
1 office

Energy, agriculture, and aerospace are primary SBA sectors. Oklahoma City and Tulsa lead lending volume.

TX
Texas
SBA Region 6 Β· South-Central
5 offices

Five SBA districts (Dallas, El Paso, Houston, Lubbock, San Antonio). One of the highest SBA lending states. Energy, tech, and real estate dominate.

IA
Iowa
SBA Region 7 Β· Heartland
1 office

Agriculture, food processing, and renewable energy are primary SBA sectors. Des Moines and Cedar Rapids lead.

KS
Kansas
SBA Region 7 Β· Heartland
1 office

Aviation (Wichita), agriculture, and energy are top SBA sectors. Active rural and farm-related SBA programs.

MO
Missouri
SBA Region 7 Β· Heartland
2 offices

Healthcare, finance, and agriculture are key sectors. Kansas City and St. Louis each have active SBA markets.

NE
Nebraska
SBA Region 7 Β· Heartland
1 office

Agriculture, food processing, and telecom are primary SBA sectors. Omaha has a strong financial services lending market.

CO
Colorado
SBA Region 8 Β· Mountain
1 office

Aerospace, outdoor recreation, cannabis (state programs, not SBA), and technology are strong sectors. Denver is a top SBA market.

MT
Montana
SBA Region 8 Β· Mountain
1 office

Agriculture, tourism, and renewable energy are top SBA sectors. Rural lending programs are particularly active.

ND
North Dakota
SBA Region 8 Β· Mountain
1 office

Agriculture, energy (oil and wind), and technology are primary SBA sectors. Fargo leads lending volume.

SD
South Dakota
SBA Region 8 Β· Mountain
1 office

No state corporate or personal income tax. Agriculture, tourism (Mount Rushmore corridor), and healthcare are key SBA sectors.

UT
Utah
SBA Region 8 Β· Mountain
1 office

Silicon Slopes tech corridor, outdoor recreation, and healthcare are strong SBA sectors. Salt Lake City has rapid SBA lending growth.

WY
Wyoming
SBA Region 8 Β· Mountain
1 office

Energy, agriculture, and tourism are primary sectors. No state income tax. Rural lending programs very active.

AZ
Arizona
SBA Region 9 Β· Pacific
1 office

Technology, real estate, and healthcare are top SBA sectors. Phoenix and Tucson are primary lending markets with fast growth.

CA
California
SBA Region 9 Β· Pacific
6 offices

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.

HI
Hawaii
SBA Region 9 Β· Pacific
1 office

Tourism, agriculture, and federal contracting are top SBA sectors. High cost of living creates strong demand for SBA real estate loans.

NV
Nevada
SBA Region 9 Β· Pacific
1 office

Hospitality, real estate, and technology are leading SBA sectors. Las Vegas and Reno have very active SBA lending markets.

AK
Alaska
SBA Region 10 Β· Northwest
1 office

Fishing, tourism, and oil-support industries are primary SBA sectors. Special rural lending programs available.

ID
Idaho
SBA Region 10 Β· Northwest
1 office

Agriculture, technology (Boise tech hub), and outdoor recreation are growing SBA sectors.

OR
Oregon
SBA Region 10 Β· Northwest
1 office

Technology (Portland), agriculture (Willamette Valley wine), and outdoor recreation are key SBA sectors.

WA
Washington
SBA Region 10 Β· Northwest
2 offices

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.

SBA 7(a) Rate
Prime + 2.25%–4.75%
Variable; rate adjusts with Prime Rate
SBA 504 Rate
~6%–7% fixed
Long-term fixed rate on the CDC debenture portion
Microloan Rate
8%–13% fixed
Set by each nonprofit intermediary lender
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