SBA Loans for Financial Transactions Processing: Top Lenders & Recent Approvals
NAICS 522NAICS 522 covers financial transactions processing, reserve, and clearinghouse activiti businesses. Based on historical SBA 7(a) lending data.
Total Approvals
78
for Financial Transactions Processing
Median Loan Size
$200,000
per approval
Recent Activity
4
last 90 days through Nov 2025
NAICS 522 covers financial transactions processing, reserve, and clearinghouse activiti businesses. This is a smaller category in SBA 7(a) lending with 78 approvals on record and a median loan size of $200,000.
Key trends & insights
- SBA lending to financial transactions processing businesses declined 38% year-over-year — from 34 to 21 approvals.
- Total SBA dollars flowing into this industry decreased by 61% year-over-year, reaching $7,971,300 in the trailing 12 months.
- Bayfirst National Bank leads this industry with 10 approvals (17% market share) and a median loan of $150,000.
- Financial Transactions Processing SBA lending clusters in California (31%), Florida (13%), Michigan (6%) — these three states represent 50% of all activity nationwide.
- The typical loan size for financial transactions processing has decreased 34% — average median moving from $517,317 to $343,858.
Lending trends for Financial Transactions Processing
Top lenders by historical volume
| # | Lender | Approvals | Median Size |
|---|---|---|---|
| 1 | 10 | $150,000 | |
| 2 | 6 | $350,000 | |
| 3 | 6 | $150,000 | |
| 4 | 4 | $435,900 | |
| 5 | 4 | $267,000 | |
| 6 | 4 | $630,000 | |
| 7 | 4 | $65,000 | |
| 8 | 3 | $100,000 | |
| 9 | 3 | $70,000 | |
| 10 | 2 | $250,000 | |
| 11 | 2 | $2,473,100 | |
| 12 | 2 | $1,815,000 | |
| 13 | 2 | $1,292,500 | |
| 14 | 2 | $340,000 | |
| 15 | 1 | $350,000 | |
| 16 | 1 | $1,012,000 | |
| 17 | 1 | $100,000 | |
| 18 | 1 | $499,900 | |
| 19 | 1 | $5,000,000 | |
| 20 | 1 | $230,000 |
Recent SBA 7(a) approvals for Financial Transactions Processing
| Month | Lender | Borrower | Location | Amount |
|---|---|---|---|---|
| 2025-11 | U.S. Bank, National Association | Bes*****LLC | COLORADO SPRINGS, CO | $150,000 |
| 2025-08 | Reliabank Dakota | WR *****LLC | Sioux Falls, SD | $1,802,700 |
| 2025-08 | DFCU Financial | Mit*****LLC | TRENTON, MI | $675,000 |
| 2025-06 | CRF Small Business Loan Company, LLC | Red*****LLC | Spokane, WA | $500,000 |
| 2025-05 | Stone Bank | WAR*****LLC | MILTON, FL | $150,000 |
| 2025-05 | BayFirst National Bank | Thr*****LLC | NORTHGLENN, CO | $150,000 |
| 2025-03 | Fremont Bank | Kyo*****LLC | Alameda, CA | $2,065,000 |
| 2025-03 | Fifth Third Bank | IFI*****LLC | CORAL GABLES, FL | $100,000 |
| 2025-03 | Readycap Lending, LLC | DC *****LLC | FALLS CHURCH, VA | $200,000 |
| 2025-02 | Canyon View Federal Credit Union | Fir*****LLC | HURRICANE, UT | $120,000 |
| 2025-02 | Readycap Lending, LLC | Dir*****nc. | Winchester, VA | $500,000 |
| 2025-02 | The Huntington National Bank | CAN*****LLC | LOVELAND, OH | $225,000 |
| 2025-02 | Newtek Bank, National Association | Her*****ces | LAGUNA NIGUEL, CA | $35,000 |
| 2024-12 | Newtek Bank, National Association | Flo*****Inc | OVIEDO, FL | $50,000 |
| 2024-10 | BayFirst National Bank | MIC*****LLC | MIAMI, FL | $53,100 |
| 2024-08 | BayFirst National Bank | F5 *****LLC | TRAVERSE CITY, MI | $150,000 |
| 2024-08 | BayFirst National Bank | BOU*****NC. | SAN DIEGO, CA | $150,000 |
| 2024-08 | Readycap Lending, LLC | J&R*****Inc | AUSTIN, TX | $50,000 |
| 2024-07 | Cadence Bank | MER*****LLC | Katy, TX | $250,000 |
| 2024-04 | Newtek Bank, National Association | Alp*****Inc | Venice, CA | $150,000 |
| 2024-02 | Valley First CU | Val*****nc. | Turlock, CA | $445,500 |
| 2024-01 | BayFirst National Bank | Pur*****LLC | BELLINGHAM, WA | $80,800 |
| 2024-01 | First Merchants Bank | MCC*****LLC | FARMINGTON HILLS, MI | $50,000 |
| 2023-12 | Colony Bank | Epi*****Inc | Brookfield, IL | $150,000 |
| 2023-12 | BayFirst National Bank | Sla*****LLC | OKLAHOMA CITY, OK | $58,000 |
Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.
Activity by state
State-by-state breakdown
| # | State | Approvals |
|---|---|---|
| 1 | California | 24 |
| 2 | Florida | 10 |
| 3 | Michigan | 5 |
| 4 | Texas | 4 |
| 5 | New York | 4 |
| 6 | Utah | 4 |
| 7 | Virginia | 3 |
| 8 | Oregon | 3 |
| 9 | Georgia | 3 |
| 10 | Washington | 2 |
| 11 | Illinois | 2 |
| 12 | Maryland | 2 |
| 13 | Oklahoma | 2 |
| 14 | Ohio | 1 |
| 15 | Colorado | 1 |
| 16 | New Jersey | 1 |
| 17 | Pennsylvania | 1 |
| 18 | South Carolina | 1 |
| 19 | South Dakota | 1 |
| 20 | Louisiana | 1 |
| 21 | Idaho | 1 |
| 22 | Connecticut | 1 |
| 23 | New Mexico | 1 |
SBA loans for Financial Transactions Processing by state
Similar industries
Frequently asked questions about SBA loans for Financial Transactions Processing
Who are the top SBA lenders for Financial Transactions Processing?▾
Based on historical SBA 7(a) data, the most active lenders for Financial Transactions Processing (NAICS 522) include Bayfirst National Bank, Readycap Lending, LLC, Newtek Bank, National Association, and 17 more. Bayfirst National Bank leads with 10 approved loans.
What is the typical SBA loan size for Financial Transactions Processing?▾
The median SBA 7(a) loan amount for Financial Transactions Processing businesses is $200,000, based on 78 total approved loans in the dataset.
Which states have the most SBA lending activity for Financial Transactions Processing?▾
California leads with 24 SBA 7(a) approvals for Financial Transactions Processing, followed by Florida (10) and Michigan (5).
How do I find the best SBA lender for my financial transactions processing business?▾
Start by reviewing the lender rankings on this page, which are based on real SBA approval data for NAICS 522. You can also use the MyLenderPilot Lender Fit Quiz to get a personalized ranking based on your state, loan size, and years in business.
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