SBA-Approved Lenders in Irving
| Lender | Loans | Total Volume | Avg Loan | Preferred |
|---|---|---|---|---|
| VelocitySBA, LLC | 727 | $803.4M | $1.1M | ⭐ |
| State Bank of Texas | 17 | $25.1M | $1.5M | ⭐ |
SBA Loans in Irving, Texas
Irving is one of Texas's key business markets, and SBA 7(a) loans are a common financing tool for local small businesses buying equipment, real estate, or working capital. There are currently 2 SBA-approved lenders headquartered in Irving, with a combined 744 loans approved since 2020.
When evaluating SBA lenders in Irving, prioritize Preferred Lender Program (PLP) status — these institutions have delegated SBA approval authority, cutting weeks off the closing timeline. Also compare loan volume (more experience = smoother process) and average loan size to find a lender whose typical deal matches your needs.
Ready to Apply for an SBA Loan in Irving?
Check eligibility in minutes — no impact to your credit score.
Check My Eligibility at SmartBiz →SBA 7(a) loans up to $5M · Rates from 10.5% · As fast as 7 days
Top SBA Lenders in Texas (Statewide)
These lenders operate across all of Texas and regularly fund Irving businesses.
Other Cities in Texas
SBA Loan FAQ — Irving, TX
How do I find an SBA lender in Irving, TX?
Start with lenders headquartered in Irving — they often have local underwriters familiar with the Irving market. If local options are limited, any SBA-approved lender in Texas can fund your loan. Prioritize Preferred Lenders (PLP status) for faster approvals. Our directory shows real SBA loan volume data so you can compare lenders objectively.
What SBA loans are available to Irving small businesses?
Irving businesses can access SBA 7(a) loans (up to $5M for working capital, equipment, real estate, or acquisition), SBA 504 loans (for owner-occupied commercial real estate and heavy equipment, with 10% down), and SBA microloans (up to $50K for startups and micro-businesses). The 7(a) program is the most flexible and widely available.
What is the minimum credit score for an SBA loan in Irving?
Most SBA lenders require a personal credit score of 650–680+. Some community lenders and CDFIs go lower for businesses with strong cash flow. Having a score above 700 gives you access to the most competitive rates and the largest lender pool in Irving.
How long does SBA loan approval take for a Irving business?
With an SBA Preferred Lender (PLP), approval can take 7–10 business days. Standard SBA lenders add 2–4 weeks for SBA review. After approval, funding takes another 2–4 weeks. Total timeline: 30–90 days depending on loan complexity and how quickly you provide documentation.