Agriculture & Forestry
SBA Lenders for Agriculture & Forestry
Top lenders ranked by real SBA lending data for agriculture & forestry nationwide.
What Borrowers Should Know
Agriculture & Forestry borrowers are getting better pricing than the national average. The median spread here is P+2.41%, which is 34 basis points lower than the national median of P+2.75%. This means if you're in this industry, lenders are already willing to price you more competitively—likely because they understand ag lending and see it as less risky than average small business.
First Financial Bank dominates this industry with 932 deals out of 3,401 total (27% market share), but that concentration creates risk for borrowers. With 383 active lenders available, you have real alternatives. Comparing terms from at least 2-3 other lenders (particularly Live Oak Banking Company with 270 deals or Wells Fargo with 222) could save you thousands in rate or fees, since competition exists but isn't equally distributed.
Your geography matters significantly for deal flow. Arkansas, California, and Georgia account for 2,295 of 3,401 deals (67%). If you're operating outside these states, fewer specialized ag lenders may be actively competing for your business, which could mean fewer loan options and potentially less favorable terms. However, if you're in one of these states, you'll have multiple lenders competing for your loan.
Total SBA Loans
13,572
Active Lenders
1,168
Avg Deal Size
$630K
Total Volume
$8.5B
Agriculture & Forestry SBA loans average $630K in deal size across 13,572 total loans. The median 7(a) spread in this segment is P + 2.29%.
Top Lenders for Agriculture & Forestry
Ranked by total deal count nationwide.
| # | Lender | Type | Deals | Avg Size | Spread | |
|---|---|---|---|---|---|---|
| 1 | First Financial Bank | Bank | 2,737 | $645K | P + 2.56%AVERAGE | |
| 2 | Live Oak Banking Company | Bank | 734 | $2.0M | P + 2.28%AVERAGE | |
| 3 | Wells Fargo Bank National Association | Bank | 514 | $175K | P + 3.43%ABOVE AVG | |
| 4 | Community Bank of Mississippi | Bank | 401 | $579K | P + 2.03%GOOD | |
| 5 | The Huntington National Bank | Bank | 327 | $231K | P + 2.06%GOOD | |
| 6 | Manufacturers and Traders Trust Company | Bank | 245 | $92K | P + 2.79%ABOVE AVG | |
| 7 | Peoples Bank | Bank | 240 | $276K | P + 2.32%AVERAGE | |
| 8 | Covington County Bank | Bank | 219 | $101K | P + 1.85%GOOD | |
| 9 | Columbia Bank | Bank | 216 | $175K | P + 2.76%ABOVE AVG | |
| 10 | TD Bank, National Association | Bank | 175 | $115K | P + 3.04%ABOVE AVG | |
| 11 | Banner Bank | Bank | 164 | $182K | P + 1.87%GOOD | |
| 12 | Arvest Bank | Bank | 134 | $1.5M | P + 1.86%GOOD | |
| 13 | Trustmark Bank | Bank | 129 | $347K | P + 1.77%GOOD | |
| 14 | BankPlus | Bank | 127 | $839K | P + 0.96%COMPETITIVE | |
| 15 | Metro City Bank | Bank | 123 | $1.5M | P + 1.33%COMPETITIVE |
Top States for Agriculture & Forestry
Where agriculture & forestry SBA lending is most active.