Nevada SBA lending, from federal loan records
SBA Lenders Actively Funding Businesses in Nevada
Since FY2020, 187 lenders have funded 4,107 SBA loans worth $2.6B for businesses in Nevada. Borrowers reported 48,957 jobs supported by those loans. Below is who actually writes them, how big they run, and which Nevada businesses get funded.
Most active SBA lenders in Nevada
Ranked by loans funded for Nevada projects since FY2020, not by advertising budget. A lender headquartered elsewhere that funds heavily in Nevada beats a local name that rarely writes SBA loans.
504 loans are written by Certified Development Companies alongside a bank first mortgage. The 504 file reports no interest rate, so CDC rows show none.
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Start your funding profile →How big Nevada SBA loans run
Share of Nevada 7(a) loans by approval size, next to the national split. If your ask sits in a common band, it is the kind of loan lenders here fund every week.
| 7(a) loan size | NV | US |
|---|---|---|
| Under $150K | 38.4% | 40.4% |
| $150K to $500K | 31.1% | 31.9% |
| $500K to $1M | 14.7% | 12.9% |
| $1M and up | 15.7% | 14.9% |
Who gets funded in Nevada
Business age on Nevada 7(a) loans. 9% funded a change of ownership, against 11.1% nationally. Buying a business? See the acquisition lender shortlist. Starting one? See startup-friendly lenders.
| Business stage | NV | US |
|---|---|---|
| Established, more than 2 years | 52.8% | 55.2% |
| New, 2 years or less | 23.6% | 16.9% |
| Startup, loan opens the business | 14.6% | 16.8% |
| Change of ownership (buying a business) | 9% | 11.1% |
Industries Nevada SBA lenders fund most
Share of all Nevada SBA loans by industry, and how that compares with the national mix.
| Industry | NV loans | Share | Compared with US |
|---|---|---|---|
| Healthcare | 523 | 12.7% | 1.3x the national share |
| Restaurants and hotels | 489 | 11.9% | in line with national |
| Professional services | 472 | 11.5% | 1.2x the national share |
| Construction | 450 | 11% | in line with national |
| Retail | 449 | 10.9% | in line with national |
| Personal and repair services | 448 | 10.9% | in line with national |
| Business support services | 225 | 5.5% | in line with national |
| Manufacturing | 198 | 4.8% | 0.7x the national share |
The most common specific business types funded in Nevada: full-service restaurants (187), limited-service restaurants (147), offices of physicians (except mental health specialists) (108), offices of lawyers (107), plumbing, heating, and air-conditioning contractors (85), insurance agencies and brokerages (78).
Where in Nevada the loans go
| County | SBA loans since FY2020 | Share of state |
|---|---|---|
| Clark | 2,988 | 73% |
| Washoe | 728 | 18% |
| Carson City | 93 | 2% |
| Douglas | 66 | 2% |
| Elko | 65 | 2% |
| Lyon | 52 | 1% |
| Nye | 46 | 1% |
| Humboldt | 23 | 1% |
7(a) or 504 in Nevada
18% of Nevada SBA loans are 504 loans, against 12% nationally. A 504 loan funds owner-occupied real estate or major equipment, with a median of $682K here. A 7(a) loan covers almost anything else, including working capital and buying a business. The busiest 504 lenders in Nevada:
- Nevada State Development Corporation: 349 504 loans, median $629K
- Mortgage Capital Development Corporation: 244 504 loans, median $710K
- California Statewide Certified Development Corporation: 100 504 loans, median $807K
- CDC Small Business Finance Corp.: 30 504 loans, median $758K
- Mountain West Small Business Finance: 23 504 loans, median $698K
Nevada SBA lending by year
| Fiscal year | 7(a) loans | 504 loans | Dollars |
|---|---|---|---|
| FY2020 | 293 | 99 | $226M |
| FY2021 | 426 | 159 | $469M |
| FY2022 | 373 | 147 | $335M |
| FY2023 | 499 | 93 | $381M |
| FY2024 | 652 | 91 | $411M |
| FY2025 | 720 | 98 | $466M |
| FY2026 (through June 30, 2026) | 390 | 67 | $301M |
The SBA fiscal year runs October through September.
Free SBA help in Nevada
Before you apply, these offices help with loan packaging and lender questions at no cost.
- SBA Nevada District Office. 300 S. 4th St., Suite 400, Las Vegas, NV 89101, with a second office at 705 N. Plaza St., Suite 107, Carson City, NV 89701. Phone 702-388-6611 for both. Visits are by appointment.
- Nevada Small Business Development Center. Free, confidential one-on-one advising, run by the College of Business at the University of Nevada, Reno. Useful for loan packaging, projections and cash-flow prep before you apply.
- SCORE Nevada. Free mentoring through two chapters: Las Vegas and Northern Nevada.
Contact details verified October 24, 2026.
Common questions
Who is the most active SBA lender in Nevada?
By funded loans since FY2020, U.S. Bank, National Association leads Nevada with 572 loans.
How big is a typical SBA loan in Nevada?
The median 7(a) loan in Nevada is $228K, and the middle half runs from $50K to $597K. The median 504 loan is $682K. Nationally the 7(a) median is $200K.
What interest rate do Nevada SBA borrowers get?
The median starting rate on Nevada 7(a) loans since FY2020 is 9.25%, against 9.25% nationally. 80% of those loans carry a variable rate, which moves with the prime rate.
Can a startup get an SBA loan in Nevada?
Yes. 38% of Nevada 7(a) loans with a reported business age went to startups or businesses two years old or younger, against 34% nationally. Lenders still expect a solid plan, owner equity and usually collateral.
Sources and limits. Derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records, FY2020 through June 30, 2026, for projects located in Nevada. Cancelled approvals are excluded. Jobs supported are as reported by borrowers. 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.