SBA Lenders That Actually Fund Construction Businesses

Plenty of lenders say they serve every industry. The loan records say otherwise: some lenders write hundreds of construction loans while others avoid the industry entirely. This ranking is built from what each lender approved, not what it advertises.

Most active lenders in construction

Lender	Industry loans since 2020	Median loan (all)	Median rate	Startup share
The Huntington National Bank	6,120	$95K	9.5%	37.6%
U.S. Bank, National Association	3,633	$45K	8.51%	32.4%
TD Bank, National Association	2,887	$50K	10.55%	28.7%
JPMorgan Chase Bank, National Association	1,895	$185K	10.65%	8%
Manufacturers and Traders Trust Company	1,844	$50K	10.49%	36.7%
Wells Fargo Bank National Association	1,275	$15K	9.75%	83.7%
BayFirst National Bank	1,177	$150K	12.25%	3.2%
United Midwest Savings Bank National Association	1,131	$150K	9.75%	81.2%
Readycap Lending, LLC	1,015	$150K	11.25%	18.6%
Northeast Bank	996	$103K	10.75%	11.1%
Live Oak Banking Company	828	$785K	8.35%	22.4%
Columbia Bank	600	$50K	11%	10.1%
Newtek Bank, National Association	599	$200K	11.25%	17.3%
PNC Bank, National Association	584	$50K	9.4%	32.8%
KeyBank National Association	544	$100K	9.24%	66.3%
Zions Bank, A Division of	535	$135K	9.5%	36.4%
Mortgage Capital Development Corporation	504	$744K	n/a	4%
Celtic Bank Corporation	456	$150K	10.25%	20.8%
CDC Small Business Finance Corp.	432	$636K	n/a	1.4%
Eastern Bank	413	$65K	8.74%	14.4%
Bank of America, National Association	387	$332K	6.5%	17.1%
Lendistry SBLC, LLC	387	$150K	12.25%	0.8%
Fifth Third Bank	370	$200K	8%	22.4%
JPMorgan Chase Bank, National Association	357	$640K	n/a	1.7%
Florida Business Development Corporation	348	$445K	n/a	6%

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Sources and limits. Derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records, grouped by NAICS industry classification. Figures describe past lending activity only and are not offers, quotes, or qualification decisions. Big Brain Funding is not a lender and is not affiliated with any lender listed.