Small business loans in Bayamón, PR
Short answer
The most active SBA lenders in Bayamón, PR since FY2024 are Banco Popular de Puerto Rico (45 loans) and Oriental Bank (42). The median loan was $75,000, and half fell between $35,000 and $200,000. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 113
- approved since FY2024
- $21.61M
- median loan
- $75,000
- through SBA Express
- 61.9%
Lenders making SBA loans in Bayamón
Banco Popular de Puerto Rico made the most loans in Bayamón, 40% of the total. The three largest lenders together made 96%.
| Lender | Loans | Share |
|---|---|---|
| Banco Popular de Puerto Rico | 45 | 39.8% |
| Oriental Bank | 42 | 37.2% |
| FirstBank Puerto Rico | 21 | 18.6% |
Share is the percent of all Bayamón loans in that period. Each name links to that lender's page for Puerto Rico where one exists.
Bayamón has three lenders with five or more loans since FY2024. Others had fewer, and the Puerto Rico page counts 11 lenders with at least one approved loan statewide.
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Local help near Bayamón
Bayamón borrowers can start with SBA's district office for Puerto Rico, an SBDC or SCORE.
36% of Bayamón 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 Puerto Rico. Its page points to state and federal resources and to lenders in the area. The Puerto Rico Small Business and Technology Development Center gives free counseling across Puerto Rico.
- SBA Puerto Rico and U.S. Virgin Islands District OfficeSBA district office
- Puerto Rico Small Business and Technology Development CenterSmall Business Development Center
- SCORE mentors in Puerto RicoBusiness mentoring
Alongside SBA loans, Puerto Rico runs two loan programs. The Puerto Rico page describes each, and the official pages are linked here.
Loan counts and sizes in Bayamón
Bayamón ranks 2nd by loans since FY2024 among the 5 Puerto Rico cities with 100 or more SBA loans since FY2020. Nationally it is the 176th busiest of the 580 cities that reach 100 loans.
The 113 loans, 7.6% of the 1,490 in Puerto Rico, were approved for $21.6 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $75,000, 50% below the national median of $150,300. Half of the loans fell between $35,000 and $200,000. The Bayamón median is 47% above the Puerto Rico median of $51,050.
| Measure | Bayamón | Puerto Rico | U.S. |
|---|---|---|---|
| Loans | 113 | 1,490 | 162,355 |
| Median loan | $75,000 | $51,050 | $150,300 |
| 25th percentile | $35,000 | $25,000 | $50,000 |
| 75th percentile | $200,000 | $180,000 | $500,000 |
| Via SBA Express | 61.9% | 77.5% | 35.8% |
| Lines of credit | 38.9% | 50.7% | 28.1% |
| Startups | 22.1% | 18.1% | 16.1% |
| Ownership changes | n/a | 1.1% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 3.25 | 3.75 | 2.75 |
| Charged off | 0.0% | 1.4% | 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.
96% of the loans were $500,000 or less, the size SBA Express covers. 61.9% of all loans went through SBA Express, above the national 35.8%. Lines of credit were 38.9% of loans, above the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume rose 23% from FY2024 (35 loans) to FY2025 (43), the two latest full years. The busiest full year in the file was FY2025, with 43 loans. FY2026 already shows 35 loans through June 30.
Of the 93 loans Bayamón borrowers received in FY2020 to FY2022, 0.0% 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. That group is small, so treat the rate as rough. Lenders reported 1,010 jobs supported across the 113 loans since FY2024, about 8.9 per loan. SBA does not audit these estimates.
What businesses in Bayamón borrow for
Offices of Physicians (except Mental Health Specialists) was the largest borrower group in Bayamón, with 13 loans or 11.5% of the total.
The three largest industries made up 20% of all Bayamón loans. Offices of Physicians (except Mental Health Specialists) stands out: its 13 loans are 11.5% of Bayamón loans, against 1.1% nationally, 11 times its national share.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Offices of Physicians (except Mental Health Specialists) | 13 | 11.5% | 1.1% |
| Assisted Living Facilities for the Elderly | 5 | 4.4% | 0.4% |
| Tire Dealers | 5 | 4.4% | 0.1% |
Share is the percent of all Bayamón loans in that period. Industry is the NAICS code on each loan. A name links to the Puerto Rico page for that industry where one exists.
A typical loan payment in Bayamón
The median Bayamón loan was $75,000 with a median term of 10 years.
The median variable-rate loan in Bayamón was priced at Prime plus 3.25 percentage points at approval. At today's Prime that spread works out to 10.25%. On $75,000 over 10 years, principal and interest would come to about $1,002 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $35,000 | $467 |
| Median loan | $75,000 | $1,002 |
| 75th percentile loan | $200,000 | $2,671 |
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 $75,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 2.8 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Bayamón loans approved since FY2024 had a median starting rate of 9.75% 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 $75,000 loan and SBA Express payment calculator.
SBA 504 loans near Bayamón
Bayamón has 26 SBA 504 loans since FY2024, with $12.8 million in SBA and CDC dollars.
The median 504 loan in Bayamón was $327,000 in SBA and CDC dollars, 7% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.
Marketing Small Business Finance 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 15. Corp. Financiamiento Empresarial del Comercio y Comunidades (COFECC) follows with 7. The two CDCs listed are named on 22 loans between them.
| Certified Development Company | 504 loans |
|---|---|
| Marketing Small Business Finance Corporation | 15 |
| Corp. Financiamiento Empresarial del Comercio y Comunidades (COFECC) | 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.
Puerto Rico cities near Bayamón
Bayamón made up 7.6% of Puerto Rico's SBA loans since FY2024.
Bayamón is one of 5 Puerto Rico cities with 100 or more SBA loans since FY2020. The Puerto Rico page covers all 1,490 loans in Puerto Rico. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Bayamón
Which lenders make the most SBA loans in Bayamón?
Banco Popular de Puerto Rico leads with 45 loans in Bayamón since FY2024. Oriental Bank (42) and FirstBank Puerto Rico (21) follow. Only lenders with five or more Bayamón loans are counted.
Which industries get SBA loans in Bayamón?
Offices of Physicians (except Mental Health Specialists) leads with 13 loans in Bayamón since FY2024. Assisted Living Facilities for the Elderly (5) and Tire Dealers (5) 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 Puerto Rico and U.S. Virgin Islands District Office
- Puerto Rico Small Business and Technology Development Center
- SCORE, Puerto Rico
- 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 Bayamón, PR. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/puerto-rico-small-business-loans/bayamon/
Ask lending partners about a loan in Bayamón
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.