SBA 7(a) Loans in Mississippi
Browse 40 lenders offering sba 7(a) loans in Mississippi. Compare rates, requirements, and loan programs — then connect directly.
SBA 7(a) Lenders in Mississippi
40 lenders offering sba 7(a) loans to borrowers in Mississippi.
Live Oak Banking Company
WILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
Newtek Bank, National Association
Miami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
Cincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
Harvest Small Business Finance, LLC
Laguna Hills, CA
Non-bank SBA preferred lender specializing in SBA 7(a) loans for commercial real estate acquisition and refinancing. Focuses on owner-occupied commercial properties with loans up to $5 million.
Readycap Lending, LLC
BERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
GBank
LAS VEGAS, NV
Fast-growing community bank based in Las Vegas and a top SBA preferred lender. Specializes in SBA 7(a) loans for hospitality, gas stations, convenience stores, and commercial real estate acquisition.
Wells Fargo Bank National Association
Sioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
First Bank of the Lake
Osage Beach, MO
Community bank based at the Lake of the Ozarks and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions, commercial real estate, and partner buyouts. Known for lending to franchises and hospitality businesses.
United Midwest Savings Bank National Association
DE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Cadence Bank
TUPELO, MS
Regional bank serving the Southeast and Texas, and an active SBA preferred lender. Offers SBA 7(a) and 504 loans, commercial real estate lending, equipment financing, and full-service business banking.
Citizens Bank
ELIZABETHTON, TN
Regional bank based in Tennessee and an SBA preferred lender. Provides SBA 7(a) loans, conventional commercial lending, and business banking services to small and medium-sized businesses in the Southeast.
CenTrust Bank, A Division of SmartBiz Bank National Associat
Northbrook, IL
Technology-driven SBA lender operating through the SmartBiz platform. Offers streamlined SBA 7(a) loans with a fast online application process, serving small businesses nationwide with loans for working capital, debt refinancing, and commercial real estate.
Lendistry SBLC, LLC
Los Angeles, CA
CDFI and SBA community advantage lender focused on providing responsible lending to small businesses in underserved communities. Offers SBA 7(a) loans, microloans, and commercial real estate financing with a focus on minority and women-owned businesses.
Shoreham Bank
Warwick, RI
Rhode Island-based community bank and SBA preferred lender. Offers SBA 7(a) loans for business acquisitions and commercial real estate, with a focus on hospitality and franchise financing in the Northeast.
Stone Bank
MOUNTAIN VIEW, AR
Arkansas-based bank specializing in government-guaranteed lending including SBA, FSA, and USDA business loans. Offers nationwide lending with expertise in SBA 7(a) financing for small business acquisitions and real estate.
Renasant Bank
TUPELO, MS
Mississippi-based regional bank offering SBA 7(a) loans, commercial real estate, and business banking across the Southeast. Known for relationship-driven lending and community banking values.
First Commonwealth Bank
Indiana, PA
Pennsylvania-based community bank offering SBA 7(a) loans, commercial real estate, equipment financing, and business lines of credit. Serves small businesses across Pennsylvania and Ohio.
Southern Bancorp Bank
Arkadelphia, AR
Arkansas-based community development bank and one of the largest CDFIs in the U.S. Offers SBA 7(a) loans, commercial real estate, and mission-driven lending focused on underserved rural and urban communities.
Regions Bank
BIRMINGHAM, AL
Birmingham, Alabama-based regional bank offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, and business lines of credit. Major lender across 15 southern and midwestern states.
About SBA 7(a) Loans in Mississippi
SBA 7(a) loans are the most common SBA loan program, offering up to $5 million for working capital, equipment, real estate, business acquisition, and refinancing. Backed by the U.S. Small Business Administration, they offer competitive rates and longer terms than conventional business loans. In Mississippi, 40 lenders currently offer SBA 7(a) financing with loan amounts from $25K to $5M and rates typically ranging from Prime + 1.5% to 3.75%.
Mississippi Market Overview
Mississippi offers among the lowest costs of doing business in the nation, attracting manufacturing operations and automotive assembly plants. The Gulf Coast region supports shipbuilding, energy, and gaming-related commercial activity.
Mississippi's fee-in-lieu-of-taxes (FILOT) agreements and the state's Advantage Jobs program offer significant property tax and payroll rebate incentives for qualifying commercial and industrial projects. The state has no franchise tax on the first $100,000 of capital, and property tax assessments for commercial properties are set at 15% of true value, keeping effective tax rates relatively low. Gulf Coast casinos and hospitality properties must navigate specialized gaming commission requirements, and hurricane risk along the coast requires thorough insurance and structural resilience planning.
Who Should Consider SBA 7(a) Loans?
- Small business owners
- Business acquisitions
- Working capital needs
- Commercial real estate purchase
Key Requirements
- For-profit business operating in the US
- Owner has invested equity
- Exhausted other financing options
- No delinquent government debt
- Credit score: 680+
Pros and Cons
Advantages
- ✓Low down payment (as low as 10%)
- ✓Competitive interest rates
- ✓Long repayment terms
- ✓Can be used for many purposes
Considerations
- •Lengthy application process
- •Extensive documentation required
- •Personal guarantee required
- •Collateral often needed
SBA 7(a) Loans FAQ
How long does an SBA 7(a) loan take to close? ▼
Can I use an SBA 7(a) for real estate? ▼
What's the difference between SBA 7(a) and 504? ▼
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