SBA Lenders That Actually Fund Personal & Other Services Businesses

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

Most active lenders in personal & other services

Lender	Industry loans since 2020	Median loan (all)	Median rate	Startup share
The Huntington National Bank	3,838	$95K	9.5%	37.6%
U.S. Bank, National Association	1,714	$45K	8.51%	32.4%
TD Bank, National Association	1,375	$50K	10.55%	28.7%
Live Oak Banking Company	1,190	$785K	8.35%	22.4%
Manufacturers and Traders Trust Company	1,121	$50K	10.49%	36.7%
Wells Fargo Bank National Association	1,073	$15K	9.75%	83.7%
Readycap Lending, LLC	1,021	$150K	11.25%	18.6%
Newtek Bank, National Association	871	$200K	11.25%	17.3%
BayFirst National Bank	742	$150K	12.25%	3.2%
Northeast Bank	575	$103K	10.75%	11.1%
Celtic Bank Corporation	530	$150K	10.25%	20.8%
JPMorgan Chase Bank, National Association	467	$185K	10.65%	8%
KeyBank National Association	435	$100K	9.24%	66.3%
United Midwest Savings Bank National Association	388	$150K	9.75%	81.2%
Florida Business Development Corporation	343	$445K	n/a	6%
Zions Bank, A Division of	325	$135K	9.5%	36.4%
Florida First Capital Finance Corporation, Inc.	318	$526K	n/a	10.2%
Granite State Economic Development Corporation	316	$301K	n/a	13.4%
PNC Bank, National Association	306	$50K	9.4%	32.8%
Columbia Bank	294	$50K	11%	10.1%
Mortgage Capital Development Corporation	291	$744K	n/a	4%
CDC Small Business Finance Corp.	290	$636K	n/a	1.4%
Lendistry SBLC, LLC	285	$150K	12.25%	0.8%
Harvest Small Business Finance, LLC	279	$770K	9.5%	19.4%
JPMorgan Chase Bank, National Association	271	$640K	n/a	1.7%

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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.