LiftFund, Inc.: SBA Lending Profile
Certified CDFI, U.S. Treasury
LiftFund, Inc. is a non-bank SBA lending company (SBLC), headquartered in San Antonio, TX. It is active in 9 states, concentrated around TX, GA, FL. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes LiftFund, Inc. actually approves
The median SBA approval at LiftFund, Inc. is $147,500. The middle 80% of its loans fall between $57,000 and $275,000. The smallest funded approval in the available source window is $40,000 and the largest is $350,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 79 | $148K | 9.9% | 10 years |
| SBA 504 | 74 | $666K | n/a | 20 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Full-Service Restaurants | 17 | 7.7% |
| Fitness and Recreational Sports Centers | 16 | 7.2% |
| Snack and Nonalcoholic Beverage Bars | 14 | 6.3% |
| General Freight Trucking, Long-Distance, Truckload | 8 | 3.6% |
| Other Personal Care Services | 5 | 2.3% |
| Drinking Places (Alcoholic Beverages) | 5 | 2.3% |
| General Freight Trucking, Local | 5 | 2.3% |
| Beauty Salons | 5 | 2.3% |
| Home Health Care Services | 4 | 1.8% |
| Offices of All Other Miscellaneous Health Practitioners | 4 | 1.8% |
| All Other Specialty Trade Contractors | 4 | 1.8% |
| Other Services to Buildings and Dwellings | 4 | 1.8% |
How fast LiftFund, Inc. actually funds
Approval is not money in the bank. Across 198 loans where both dates are on record, the typical gap between SBA approval and first disbursement at LiftFund, Inc. is 27 days. Half its loans fund between 16 and 38 days. The typical SBA lender takes about 20 days, so this is roughly in line with the market.
Lending momentum
LiftFund, Inc. has been pulling back. Approvals are down 49% from FY2023 to FY2025, which can mean tightened credit or a shift in strategy. Worth asking about before you invest time in an application.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- This institution is a Treasury-certified Community Development Financial Institution. CDFIs exist specifically to fund businesses and communities that conventional lenders often decline.
- 68.3% of its funded SBA records with known business age went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 100% of its recent SBA loans.
- 84.2% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. CDFI certification status from the U.S. Treasury CDFI Fund certified institution list. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by LiftFund, Inc..