Professional Services
SBA Lenders for Accounting & Tax
Top lenders ranked by real SBA lending data for accounting & tax nationwide.
What Borrowers Should Know
Accounting & Tax firms are getting better loan pricing than the national average. The median spread here is P+2.38%, versus P+2.75% nationally—that's 37 basis points cheaper. This suggests lenders view your industry as lower-risk, likely because of predictable cash flows and professional clientele. If you're shopping for a 7(a) loan, you're in a favorable position to negotiate.
California dominates this lending market with 2,155 of the 3,206 deals (67%), while the other 48 states and territories split the remaining 1,051 deals. If you're located outside CA, AZ, or CO, you're in a thinner market with fewer competing lenders and potentially less efficient pricing. Expect to cast a wider net when sourcing your loan.
The average deal size is $400,390, but with 3,206 deals across $1.284B in volume, the distribution is likely uneven. Three mega-lenders (Wells Fargo, U.S. Bank, JPMorgan) control 804 deals (25% of the market). If your loan is $500K+, you'll probably end up with one of these large banks; if you're under $300K, smaller lenders like Live Oak and BayFirst may offer faster underwriting and more personalized service.
Total SBA Loans
13,605
Active Lenders
1,146
Avg Deal Size
$312K
Total Volume
$4.2B
Accounting & Tax SBA loans average $312K in deal size across 13,605 total loans. The median 7(a) spread in this segment is P + 2.36%.
Top Lenders for Accounting & Tax
Ranked by total deal count nationwide.
| # | Lender | Type | Deals | Avg Size | Spread | |
|---|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | Bank | 1,078 | $233K | P + 2.82%ABOVE AVG | |
| 2 | JPMorgan Chase Bank, National Association | Bank | 698 | $211K | P + 2.32%AVERAGE | |
| 3 | The Huntington National Bank | Bank | 608 | $214K | P + 2.08%GOOD | |
| 4 | TD Bank, National Association | Bank | 550 | $98K | P + 2.25%GOOD | |
| 5 | U.S. Bank, National Association | Bank | 518 | $359K | P + 2.18%GOOD | |
| 6 | Live Oak Banking Company | Bank | 476 | $764K | P + 2.13%GOOD | |
| 7 | Northeast Bank | Bank | 297 | $110K | P + 2.84%ABOVE AVG | |
| 8 | Readycap Lending, LLC | Non-Bank | 296 | $147K | P + 4.01%HIGH | |
| 9 | PNC Bank, National Association | Bank | 274 | $155K | P + 2.59%AVERAGE | |
| 10 | BayFirst National Bank | Bank | 248 | $163K | P + 3.33%ABOVE AVG | |
| 11 | Celtic Bank Corporation | Bank | 246 | $159K | P + 2.75%AVERAGE | |
| 12 | Manufacturers and Traders Trust Company | Bank | 238 | $106K | P + 2.32%AVERAGE | |
| 13 | Eastern Bank | Bank | 209 | $94K | P + 1.35%COMPETITIVE | |
| 14 | Newtek Bank, National Association | Bank | 193 | $284K | P + 3.64%HIGH | |
| 15 | Zions Bank, A Division of | Bank | 193 | $202K | P + 2.63%AVERAGE |
Top States for Accounting & Tax
Where accounting & tax SBA lending is most active.