1,010,720 SBA loans analyzedSBA loans come from banks, not the government. The government backs up to 75% of each loan, so banks can offer lower rates. But every bank sets its own price.

See what charges.
Stop overpaying.

Find the best lender for

loans of

autodetected

Real SBA loans. Real lenders. Real rates.

LenderStIndustryAmountSpread

CenTrust Bank, A Division of SmartBiz Bank National AssociatTXFinance & Insurance$150KP+4.75%

Frost BankTXRetail Trade$831KP+1.49%

Newtek Bank, National AssociationPAInformation & Media$150KP+3.25%

Bell BankIARetail Trade$1.5MP+2.00%

American Continental BankCAFood & Beverage Stores$100KP+2.25%

Four States Bank, Inc.MOFinance & Insurance$1.3MP+3.25%

Readycap Lending, LLCCABuilding Construction$50KP+6.75%

First Western Bank & TrustNDPersonal Care (Salons, Spas)$350KP+0.25%

Northeast BankCOBuilding Construction$200KP+3.75%

Busey BankILRestaurants & Food Service$2.7MP+2.75%

Bankwell BankPAOther Health Practitioners$2.1MP+2.75%

Zions Bank, A Division ofUTSpecialty Trade Contractors$996KP+0.60%

JPMorgan Chase Bank, National AssociationNYInformation & Media$130KP+5.40%

Manufacturers and Traders Trust CompanyNYRestaurants & Food Service$250KP+3.50%

Colony BankTXEngineering & Architecture$69KP+3.50%

Equity BankARMiscellaneous Retail$1.3MP+1.01%

Citizens Bank, National AssociationFLRestaurants & Food Service$408KP+3.00%

Heritage BankWARestaurants & Food Service$1.5MP+3.00%

Grasshopper Bank National AssociationNJSpecialty Trade Contractors$1.8MP+2.50%

Thomaston Savings BankCTSpecialty Trade Contractors$341KP+0.45%

CenTrust Bank, A Division of SmartBiz Bank National AssociatTXFinance & Insurance$150KP+4.75%

Frost BankTXRetail Trade$831KP+1.49%

Newtek Bank, National AssociationPAInformation & Media$150KP+3.25%

Bell BankIARetail Trade$1.5MP+2.00%

American Continental BankCAFood & Beverage Stores$100KP+2.25%

Four States Bank, Inc.MOFinance & Insurance$1.3MP+3.25%

Readycap Lending, LLCCABuilding Construction$50KP+6.75%

First Western Bank & TrustNDPersonal Care (Salons, Spas)$350KP+0.25%

Northeast BankCOBuilding Construction$200KP+3.75%

Busey BankILRestaurants & Food Service$2.7MP+2.75%

Bankwell BankPAOther Health Practitioners$2.1MP+2.75%

Zions Bank, A Division ofUTSpecialty Trade Contractors$996KP+0.60%

JPMorgan Chase Bank, National AssociationNYInformation & Media$130KP+5.40%

Manufacturers and Traders Trust CompanyNYRestaurants & Food Service$250KP+3.50%

Colony BankTXEngineering & Architecture$69KP+3.50%

Equity BankARMiscellaneous Retail$1.3MP+1.01%

Citizens Bank, National AssociationFLRestaurants & Food Service$408KP+3.00%

Heritage BankWARestaurants & Food Service$1.5MP+3.00%

Grasshopper Bank National AssociationNJSpecialty Trade Contractors$1.8MP+2.50%

Thomaston Savings BankCTSpecialty Trade Contractors$341KP+0.45%

What's at stake

Three costs of not shopping around

Upfront cost

$10K–$30K

Broker fee, paid at closing

$0LenderHawk

Ongoing cost

$34K/yr

Overpaid on a $1.5M loan

P+1.0%2,511 lendersP+3.3%

Deal risk

8.1%

Your odds of getting a loan through a marketplace

Closed92 out of 100 don't

P = Prime Rate. Spreads are what lenders charge above Prime. Lower is better.

Real search results

Top 7(a) lenders for Specialty Trade Contractors in Connecticut, $0-$150K

#	Lender	Tier	Deals	Median Spread	Avg Size
1	Manufacturers and Traders Trust Company bank	Strong	188	P+2.75%AVERAGE	$61K
2	Webster Bank National Association bank	Strong	133	P+2.75%AVERAGE	$72K
3	TD Bank, National Association bank	Strong	113	P+3.75%HIGH	$50K
4	Liberty Bank bank	Strong	63	P+2.00%GOOD	$63K
5	KeyBank National Association bank	Strong	20	P+3.02%ABOVE AVG	$57K
6	Brookline Bank, a Division of Beacon Bank and Trust bank	Strong	21	P+1.50%COMPETITIVE	$70K
7	Thomaston Savings Bank bank	Strong	19	P+2.00%GOOD	$72K

Source: real SBA lending data. Updated quarterly.

Search your deal

Your options

How borrowers find SBA lenders today

Three ways borrowers find SBA lenders. None show you the full picture.

Use a broker

✗Shows you 5 lenders for $10K–$30K at closing
✗The broker picks which banks see your deal. Many banks don't work with brokers at all.
✗You never see the full picture. You might miss cheaper lenders entirely.

Expensive. Opaque. You're paying for someone else's rolodex.

Go to your bank

✗May not specialize in your deal type or size
✗No competition pushing them to lower your rate
✗Might quote P+2.75% when specialists are at P+1.50%

Convenient but costly. No visibility into alternatives.

Use a “marketplace” site

✗Lendio claims 75 lenders. Your deal sees 4 on average.
✗You only see lenders who pay to be listed. Not who's best for your deal.
✗Rankings based on ad spend, not lending data

Looks like comparison shopping. Actually a lead-gen funnel.

The LenderHawk Way

Use LenderHawk

✓See 2,500+ lenders. Not a broker's shortlist of 5.
✓See every lender's real track record: deals done, rates charged, states served.
✓$0 cost. No broker fee. No middleman.
✓Data from 1,000,000+ real SBA loans, not marketing claims
✓YOU choose who to contact, when you're ready, on your terms

See the full market. Decide on your terms.

See Every Lender

Founders

LenderHawk

In Wolf of Wall Street, Jordan picks up a pink sheet and says, “The spread on these is huge.” The guy across the table smiles. “Yeah. That's the point.”
Blue chips paid 1% commission. Pink sheets paid 50%. The difference wasn't the product. It was transparency. One had public pricing. The other had none. So the broker set the spread and the client never knew.
That's SBA lending.
I tried to finance a business acquisition in 2024. Brokers wanted five figures for an introduction. Every website wanted my phone number before it would tell me anything. Then lenders I'd never heard of started showing up in my inbox.
That's not advice. That's a spread.
Brokers steer you toward lenders who pay to play. Away from the ones with better rates. The data to find the right lender exists. Which banks do acquisition deals, what size, what industries, how they price. It's all public. But it's buried in government spreadsheets nobody will ever read.
So I built LenderHawk.
Every lender. Every deal. What they fund, who they serve, what they charge. No broker. No guesswork. Just the data that used to sit on the other side of the table.