SBA by industry · AL
SBA lenders for retail stores in Alabama
46 lenders made 120 SBA loans to retail stores in Alabama in the 36 months ending September 30, 2026. Newtek Bank, National Association made the most, with 8. The typical loan was about $240K.
- Evidence
- SBA 7(a) and 504 loans to retail stores in Alabama, NAICS 44 and 45, excluding gas, convenience and pharmacy
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 46
- SBA FOIA,
- SBA loans, 36 months
- 120
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $75.0M
- SBA FOIA,
- Last 12 months
- 30
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for retail stores in Alabama, https://lender.report/sba-lenders-for/retail/alabama/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 8 | $2.15M | 8 | 0 | 5 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 8 | $1.08M | 8 | 0 | 1 |
| River Bank & Trust SBA 7(a) record | Bank | Prattville, AL | 6 | $2.46M | 5 | 1 | 3 |
| Sabre Finance SBA 7(a) record | Non-bank | Birmingham, AL | 6 | $827K | 6 | 0 | 2 |
| United Midwest Savings Bank, National Association SBA 7(a) record | Bank | Degraff, OH | 6 | $745K | 6 | 0 | 1 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 6 | $285K | 6 | 0 | 0 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 5 | $840K | 5 | 0 | 0 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 5 | $750K | 5 | 0 | 0 |
| Pinnacle Bank SBA 7(a) record | Bank | Nashville, TN | 4 | $3.42M | 4 | 0 | 2 |
| SouthState Bank, National Association SBA 7(a) record | Bank | Winter Haven, FL | 4 | $1.78M | 4 | 0 | 0 |
| The Citizens National Bank of Meridian SBA 7(a) record | Bank | Meridian, MS | 4 | $654K | 4 | 0 | 2 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 3 | $8.30M | 3 | 0 | 0 |
| Bank Independent | Bank | Sheffield, AL | 3 | $6.51M | 0 | 3 | 0 |
| MidSouth Bank SBA 7(a) record | Bank | Dothan, AL | 3 | $1.86M | 1 | 2 | 2 |
| Regions Bank SBA 7(a) record | Bank | Birmingham, AL | 3 | $1.68M | 3 | 0 | 0 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 3 | $1.03M | 3 | 0 | 0 |
| Central State Bank SBA 7(a) record | Bank | Calera, AL | 3 | $1.00M | 3 | 0 | 0 |
| First Bank of the Lake SBA 7(a) record | Bank | Osage Beach, MO | 3 | $900K | 3 | 0 | 1 |
| Beacon Bank and Trust SBA 7(a) record | Bank | Boston, MA | 2 | $5.00M | 2 | 0 | 0 |
| Oakworth Capital Bank | Bank | Birmingham, AL | 2 | $4.60M | 1 | 1 | 1 |
| Climate First Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 2 | $4.30M | 2 | 0 | 0 |
| TowneBank SBA 7(a) record | Bank | Portsmouth, VA | 2 | $2.08M | 2 | 0 | 2 |
| Millennial Bank SBA 7(a) record | Bank | Leeds, AL | 2 | $1.32M | 1 | 1 | 0 |
| TownBridge Bank SBA 7(a) record | Bank | Pascagoula, MS | 2 | $1.10M | 2 | 0 | 0 |
| FirstBank SBA 7(a) record | Bank | Nashville, TN | 2 | $1.02M | 1 | 1 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Clothing and Clothing Accessories Retailers | 16 |
| All Other General Merchandise Retailers | 7 |
| Other Building Material Dealers | 7 |
| Automotive Parts and Accessories Retailers | 6 |
| Sporting Goods Retailers | 6 |
| Florists | 5 |
| Furniture Retailers | 5 |
| Window Treatment Retailers | 5 |
| All Other Health and Personal Care Retailers | 4 |
| Hobby, Toy, and Game Retailers | 4 |
| Loan size | Loans |
|---|---|
| Under $150K | 38 |
| $150K to $350K | 38 |
| $350K to $1M | 29 |
| $1M to $2.5M | 9 |
| $2.5M or more | 9 |
- SBA lenders recorded 120 loans to retail stores totaling $75M in Alabama in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $240K, with the middle half between $120K and $600K. SBA FOIA,
- 112 were SBA 7(a) loans and 11 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.50% on 112 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 111 of the loans, credit unions 0, and non-banks 10. SBA FOIA,
- The five most active lenders made 28.3% of the loans. SBA FOIA,
- The three most active lenders were Newtek Bank, National Association with 8, Northeast Bank with 8, and River Bank & Trust with 6. SBA FOIA,
- 38 of the loans were under $150K, and 18 were $1M or more. SBA FOIA,
- The SBA file shows 30 approvals of these loans dated in the 12 months to September 30, 2026, versus 55 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 12 of the 46 lenders are based in Alabama. The rest are based elsewhere, most often in Florida, Tennessee and California. SBA FOIA,
- The most common detailed industry in Alabama was Clothing and Clothing Accessories Retailers, with 16 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to retail stores in Alabama
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Alabama, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 44 and 45, excluding gas, convenience and pharmacy.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.