Small business loans in Mesa, AZ
Short answer
The most active SBA lenders in Mesa, AZ since FY2024 are JPMorgan Chase Bank (21 loans) and Wells Fargo Bank (20). The median loan was $250,000, and half fell between $83,250 and $629,675. For free help, see the Arizona SBDC Network. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 280
- approved since FY2024
- $164.07M
- median loan
- $250,000
- through SBA Express
- 29.6%
Lenders making SBA loans in Mesa
No lender made more than 8% of the loans in Mesa, and JPMorgan Chase Bank made the most. The five largest lenders together made 31%.
| Lender | Loans | Share |
|---|---|---|
| JPMorgan Chase Bank | 21 | 7.5% |
| Wells Fargo Bank | 20 | 7.1% |
| Newtek Bank | 17 | 6.1% |
| U.S. Bank | 15 | 5.4% |
| The Huntington National Bank | 14 | 5.0% |
Share is the percent of all Mesa loans in that period. Each name links to that lender's page for Arizona where one exists.
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Local help near Mesa
Mesa borrowers can start with SBA's district office for Arizona, an SBDC or SCORE.
33% of Mesa borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.
SBA has one district office for Arizona. Its page points to state and federal resources and to lenders in the area. The Arizona SBDC Network gives free counseling across Arizona.
- SBA Arizona District Office (Phoenix)SBA district office
- Arizona SBDC NetworkSmall Business Development Center
- SCORE mentors in ArizonaBusiness mentoring
Alongside SBA loans, Arizona runs a loan program. The Arizona page describes it, and the official page is linked here.
Loan counts and sizes in Mesa
Mesa ranks 4th by loans since FY2024 among the 11 Arizona cities with 100 or more SBA loans since FY2020. Nationally it is the 46th busiest of the 580 cities that reach 100 loans.
The 280 loans, 8.5% of the 3,310 in Arizona, were approved for $164.1 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $250,000, 66% above the national median of $150,300. Half of the loans fell between $83,250 and $629,675. The Arizona median is $250,000.
| Measure | Mesa | Arizona | U.S. |
|---|---|---|---|
| Loans | 280 | 3,310 | 162,355 |
| Median loan | $250,000 | $250,000 | $150,300 |
| 25th percentile | $83,250 | $90,000 | $50,000 |
| 75th percentile | $629,675 | $624,250 | $500,000 |
| Via SBA Express | 29.6% | 26.4% | 35.8% |
| Lines of credit | 22.1% | 21.3% | 28.1% |
| Startups | 13.9% | 15.8% | 16.1% |
| Ownership changes | 9.3% | 11.2% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.75 | 2.75 | 2.75 |
| Charged off | 3.2% | 3.1% | 3.6% |
A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.
71% of the loans were $500,000 or less, the size SBA Express covers. 29.6% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 22.1% of loans, below the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
By business age, 57.5% of loans went to businesses more than two years old and 19.3% to businesses two years old or younger. Startups received 13.9% and changes of ownership 9.3%. The national startup share is 16.1%.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume rose 31% from FY2024 (95 loans) to FY2025 (124), the two latest full years. The busiest full year in the file was FY2025, with 124 loans. FY2026 already shows 61 loans through June 30.
Of the 216 loans Mesa borrowers received in FY2020 to FY2022, 3.2% were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. Lenders reported 2,991 jobs supported across the 280 loans since FY2024, about 10.7 per loan. SBA does not audit these estimates.
What businesses in Mesa borrow for
Full-Service Restaurants was the largest borrower group in Mesa, with 11 loans or 3.9% of the total.
The five largest industries made up 16% of all Mesa loans.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Full-Service Restaurants | 11 | 3.9% | 4.6% |
| Limited-Service Restaurants | 10 | 3.6% | 3.3% |
| Plumbing, Heating, and Air-Conditioning Contractors | 10 | 3.6% | 1.9% |
| All Other Amusement and Recreation Industries | 7 | 2.5% | 0.9% |
| All Other Specialty Trade Contractors | 7 | 2.5% | 1.7% |
Share is the percent of all Mesa loans in that period. Industry is the NAICS code on each loan. A name links to the Arizona page for that industry where one exists.
A typical loan payment in Mesa
The median Mesa loan was $250,000 with a median term of 10 years.
The median variable-rate loan in Mesa was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $250,000 over 10 years, principal and interest would come to about $3,269 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $83,250 | $1,089 |
| Median loan | $250,000 | $3,269 |
| 75th percentile loan | $629,675 | $8,234 |
Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.
SBA's rate ceiling for this loan size
SBA's maximum for a loan of $250,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.2 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Mesa loans approved since FY2024 had a median starting rate of 10.25% at approval, matching the national median. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.
Run your own numbers: payments on a $250,000 loan and SBA Express payment calculator.
SBA 504 loans near Mesa
Mesa has 58 SBA 504 loans since FY2024, with $58.8 million in SBA and CDC dollars.
The median 504 loan in Mesa was $683,500 in SBA and CDC dollars, 14% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.
Mortgage Capital Development Corporation is the Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on the most loans since FY2024, with 38. California Statewide Certified Development Corporation follows with 8. The three CDCs listed are named on 53 loans between them.
| Certified Development Company | 504 loans |
|---|---|
| Mortgage Capital Development Corporation | 38 |
| California Statewide Certified Development Corporation | 8 |
| Arizona Capital Source | 7 |
How a 504 loan is split
A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
Arizona cities near Mesa
Mesa made up 8.5% of Arizona's SBA loans since FY2024.
Mesa is one of 11 Arizona cities with 100 or more SBA loans since FY2020. The Arizona page covers all 3,310 loans in Arizona. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Mesa
Which lenders make the most SBA loans in Mesa?
JPMorgan Chase Bank leads with 21 loans in Mesa since FY2024. Wells Fargo Bank (20) and Newtek Bank (17) follow. Only lenders with five or more Mesa loans are counted.
Which industries get SBA loans in Mesa?
Full-Service Restaurants leads with 11 loans in Mesa since FY2024. Limited-Service Restaurants (10) and Plumbing, Heating, and Air-Conditioning Contractors (10) follow.
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. How we build these pages.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA Arizona District Office (Phoenix)
- Arizona SBDC Network
- SCORE, Arizona
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
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Cite this page: Small business loans in Mesa, AZ. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/arizona-small-business-loans/mesa/
Ask lending partners about a loan in Mesa
Tell us what you need and we refer your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.