Small business loans in the District of Columbia
Short answer
The most active SBA lenders in the District of Columbia since FY2024 are M&T Bank (84 loans) and TD Bank (26). The median loan was $200,000, and half fell between $65,000 and $500,000. For free help, see the DC Small Business Development Center. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 361
- approved since FY2024
- $164.88M
- median loan
- $200,000
- through SBA Express
- 34.9%
Lenders making SBA loans in the District of Columbia
No lender made more than 23% of the loans in the District of Columbia, and M&T Bank made the most. The five largest lenders together made 49%.
70 lenders had at least one SBA loan approved in the District of Columbia since FY2024, and 16 of them had five or more. Those 16 are 13 banks and 3 non-bank lenders. Banks made 61% of the loans, non-bank lenders 11%.
| Lender | Loans | Median | Express |
|---|---|---|---|
| M&T Bank | 84 | $62,500 | 78.6% |
| TD Bank | 26 | $77,500 | 84.6% |
| Newtek Bank | 25 | $350,000 | Fewer than 5 |
| Readycap Lending, LLCNon-bank lender | 24 | $106,750 | 0.0% |
| The Huntington National Bank | 19 | $350,000 | 36.8% |
| Hanmi Bank | 11 | $967,000 | 0.0% |
| Lendistry SBLC, LLCNon-bank lender | 9 | $150,000 | 0.0% |
| Northeast Bank | 9 | $100,000 | 0.0% |
| Celtic Bank | 7 | $150,000 | 0.0% |
| Wells Fargo Bank | 7 | $20,000 | 85.7% |
| Wilmington Savings Fund Society | 7 | $500,000 | 0.0% |
| BayFirst National Bank | 6 | $150,000 | 0.0% |
| Fulton Bank | 6 | $379,950 | Fewer than 5 |
| JPMorgan Chase Bank | 6 | $225,000 | 100.0% |
| United Midwest Savings Bank | 6 | $150,000 | 0.0% |
1 more lenders made five or more loans each. Median is the lender's median loan. Express is the percent of its loans made through SBA Express. A line under a name gives the type of any lender that is not an active bank. Each name links to that lender's page for the state.
Ask lending partners about a loan in the District of Columbia
70 lenders had SBA loans approved in the District of Columbia since FY2024. Tell us what you need and we refer your request to lending partners.
Start my loan requestJanover 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.
Local help in the District of Columbia: SBA, SBDC and SCORE
The District of Columbia has an SBA district office, a Small Business Development Center network and SCORE mentors.
32% of District of Columbia 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 the District of Columbia. Its page points to state and federal resources and to lenders in the area. 70 lenders had SBA loans approved in the District of Columbia since FY2024.
The SBA Washington Metropolitan Area District Office sits in Herndon, Virginia. It also serves parts of Maryland and Virginia.
Loan programs in the District of Columbia
Two loan programs in the District of Columbia sit beside the 361 SBA loans above.
Two programs are confirmed on official pages. Each has its own eligibility rules, so read the official page before you apply.
- DC BizCAP Collateral Support Program
The District's Department of Insurance, Securities and Banking gives funds to participating lenders to cover collateral shortfalls on loans to eligible DC small businesses. The business must be registered and taxed in the District, and at least three quarters of its employees must work there. (Checked Nov 9, 2026.) - DC BizCAP Loan Participation Program
The Department of Insurance, Securities and Banking buys part of a participating lender's loan, or lends alongside the lender, for eligible DC small businesses. Loan products include commercial real estate, start-up, and space and equipment loans. (Checked Nov 9, 2026.)
Loan counts and sizes in the District of Columbia
District of Columbia ranks 48th among the 50 states, DC and Puerto Rico for SBA loans, with 0.2% of the 162,355 loans approved since FY2024.
The 361 loans were approved for $164.9 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $200,000, 33% above the national median of $150,300. Half of the loans fell between $65,000 and $500,000.
| Measure | District of Columbia | U.S. |
|---|---|---|
| Loans | 361 | 162,355 |
| Median loan | $200,000 | $150,300 |
| 25th percentile | $65,000 | $50,000 |
| 75th percentile | $500,000 | $500,000 |
| Via SBA Express | 34.9% | 35.8% |
| Lines of credit | 24.1% | 28.1% |
| Startups | 16.6% | 16.1% |
| Ownership changes | 9.4% | 10.4% |
| Median term | 10 years | 10 years |
| Median spread | 2.98 | 2.75 |
| Charged off | 11.3% | 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.
78% of the loans were $500,000 or less, the size SBA Express covers. 34.9% of all loans went through SBA Express, close to the national 35.8%. Lines of credit were 24.1% 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, 59.0% of loans went to businesses more than two years old and 15.0% to businesses two years old or younger. Startups received 16.6% and changes of ownership 9.4%.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume rose 13% from FY2024 (130 loans) to FY2025 (147), the two latest full years. The busiest full year in the file was FY2025, with 147 loans. FY2026 already shows 84 loans through June 30.
Of the 222 loans District of Columbia borrowers received in FY2020 to FY2022, 11.3% 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 3,439 jobs supported across the 361 loans since FY2024, about 9.5 per loan. SBA does not audit these estimates.
What businesses in the District of Columbia borrow for
Full-Service Restaurants was the largest borrower group in the District of Columbia, with 29 loans or 8.0% of the total.
The five largest industries made up 27% of all District of Columbia loans. Beer, Wine, and Liquor Retailers stands out: its 22 loans are 6.1% of the District of Columbia loans, against 0.9% nationally, 6.5 times its national share.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Full-Service Restaurants | 29 | 8.0% | 4.6% |
| Beer, Wine, and Liquor Retailers | 22 | 6.1% | 0.9% |
| Limited-Service Restaurants | 18 | 5.0% | 3.3% |
| Administrative Management and General Management Consulting Services | 16 | 4.4% | 0.9% |
| Child Care Services | 11 | 3.0% | 1.5% |
Share is the percent of all District of Columbia loans in that period. Industry is the NAICS code on each loan. A name links to the state page for that industry where one exists.
Cities in the District of Columbia with SBA loan pages
One District of Columbia city has 100 or more SBA loans in the file, and it has its own page.
Washington (360 loans) accounts for 99.7% of the District of Columbia's loans since FY2024.
A typical loan payment in the District of Columbia
The median District of Columbia loan was $200,000 with a median term of 10 years.
The median variable-rate loan in the District of Columbia was priced at Prime plus 2.98 percentage points at approval. At today's Prime that spread works out to 9.98%. On $200,000 over 10 years, principal and interest would come to about $2,641 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $65,000 | $858 |
| Median loan | $200,000 | $2,641 |
| 75th percentile loan | $500,000 | $6,602 |
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 $200,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.0 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
District of Columbia loans approved since FY2024 had a median starting rate of 10.5% at approval, against 10.25% nationally. 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 $200,000 loan and SBA Express payment calculator.
SBA 504 loans and Certified Development Companies in the District of Columbia
The District of Columbia has 14 SBA 504 loans since FY2024, with $16.1 million in SBA and CDC dollars.
The median 504 loan in the District of Columbia was $1,025,000 in SBA and CDC dollars, 20% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.
Business Finance Group, Inc. 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 FY2020, with 21. Rappahannock Economic Development Corporation follows with 10. The three CDCs listed are named on 39 loans between them.
| Certified Development Company | 504 loans |
|---|---|
| Business Finance Group, Inc. | 21 |
| Rappahannock Economic Development Corporation | 10 |
| Chesapeake Business Finance Corporation | 8 |
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.
Common questions about SBA loans in the District of Columbia
Which lenders make the most SBA loans in the District of Columbia?
M&T Bank leads with 84 loans in the District of Columbia since FY2024. TD Bank (26) and Newtek Bank (25) follow. 16 lenders had five or more loans approved.
Do startups get SBA loans in the District of Columbia?
60 loans to startups were approved in the District of Columbia since FY2024, 16.6% of the total. The file lists approvals only, so it cannot show how many startups applied or were turned down.
Does the District of Columbia have its own small business loan program?
DC BizCAP Collateral Support Program and DC BizCAP Loan Participation Program are confirmed on official pages. The loan programs section above has the details.
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. 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 Washington Metropolitan Area District Office (Herndon, Virginia)
- DC Small Business Development Center (Howard University)
- SCORE, District of Columbia
- DC BizCAP Collateral Support Program
- DC BizCAP Loan Participation Program
- 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 the District of Columbia. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/district-of-columbia-small-business-loans/
Ask lending partners about a loan in the District of Columbia
70 lenders had SBA loans approved in the District of Columbia since FY2024. 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.