Professional Services
SBA Lenders for Management & IT Consulting
Top lenders ranked by real SBA lending data for management & it consulting nationwide.
What Borrowers Should Know
Management & IT Consulting firms get better pricing than the national average. The median spread here is P+2.46%, compared to the national 7(a) median of P+2.75%—that's 29 basis points cheaper. With an average deal size of $351,854, this savings compounds to roughly $1,000 per year on a typical loan. The industry's relative stability and recurring revenue models likely make lenders more comfortable with lower risk premiums.
Three mega-lenders (Wells Fargo, U.S. Bank, and JPMorgan Chase) control 2,693 of 6,375 deals—42% of the entire market. If you're turned down by one of these three, you still have 362 other active lenders to approach, but the concentration means these banks have set lending standards for the industry. Going to a smaller, specialized lender like Newtek (152 deals) or BayFirst (212 deals) might offer more flexibility if you don't fit the big-bank mold.
California dominates with 5,007 of 6,375 deals (79% of all SBA lending in this industry). If you're operating outside CA, AZ, or CO, you're in thinner territory—AL and AR combined have only 257 deals. This geographic concentration suggests lenders in underrepresented states may have fewer comparable deals to reference, potentially leading to longer underwriting timelines or higher scrutiny. Consider highlighting any successful comparables from your specific state.
Total SBA Loans
32,918
Active Lenders
1,419
Avg Deal Size
$315K
Total Volume
$10.4B
Management & IT Consulting SBA loans average $315K in deal size across 32,918 total loans. The median 7(a) spread in this segment is P + 2.43%.
Top Lenders for Management & IT Consulting
Ranked by total deal count nationwide.
| # | Lender | Type | Deals | Avg Size | Spread | |
|---|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | Bank | 3,041 | $151K | P + 3.04%ABOVE AVG | |
| 2 | JPMorgan Chase Bank, National Association | Bank | 2,686 | $191K | P + 2.62%AVERAGE | |
| 3 | U.S. Bank, National Association | Bank | 2,421 | $141K | P + 2.34%AVERAGE | |
| 4 | TD Bank, National Association | Bank | 1,596 | $94K | P + 2.10%GOOD | |
| 5 | The Huntington National Bank | Bank | 1,331 | $218K | P + 2.23%GOOD | |
| 6 | Manufacturers and Traders Trust Company | Bank | 1,277 | $148K | P + 2.21%GOOD | |
| 7 | BayFirst National Bank | Bank | 956 | $193K | P + 3.44%ABOVE AVG | |
| 8 | PNC Bank, National Association | Bank | 784 | $184K | P + 1.99%GOOD | |
| 9 | Northeast Bank | Bank | 753 | $146K | P + 2.95%ABOVE AVG | |
| 10 | Newtek Bank, National Association | Bank | 704 | $432K | P + 3.22%ABOVE AVG | |
| 11 | Bank of America, National Association | Bank | 677 | $388K | P + 1.68%GOOD | |
| 12 | Readycap Lending, LLC | Non-Bank | 593 | $260K | P + 3.87%HIGH | |
| 13 | Celtic Bank Corporation | Bank | 584 | $163K | P + 2.64%AVERAGE | |
| 14 | Truist Bank | Bank | 470 | $492K | P + 2.12%GOOD | |
| 15 | Eastern Bank | Bank | 435 | $97K | P + 1.65%GOOD |