CitiCapital Small Business Finance, Inc.
SBA lender based in Texas serving 41 states and 46 industries
Is CitiCapital Small Business Finance, Inc. the right SBA lender for your deal?
CitiCapital Small Business Finance, Inc. has funded 644 SBA loans across 41 states and 46 industries. Their average loan size is $292K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. PeerSense matches your deal against CitiCapital Small Business Finance, Inc. and 897+ alternatives based on closing probability + pricing.
CitiCapital Small Business Finance, Inc. is an SBA Preferred Lender (PLP), a designation the SBA grants to lenders with delegated authority to approve 7(a) loans in-house, which speeds underwriting and closing. CitiCapital Small Business Finance, Inc. has funded 644 SBA 7(a) loans across 41 states, averaging $292K per loan. PLP status means the lender does not have to send each file to the SBA for review, a material edge on turnaround for qualified borrowers.
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Book a CallWhy borrowers choose CitiCapital Small Business Finance, Inc.
CitiCapital Small Business Finance, Inc. is best suited for borrowers seeking mid-market business acquisitions and franchise build-outs, with an average SBA loan of $292K. The lender's deepest industry experience is in Motor Vehicle Dealers, and their highest-volume state is Texas. With 644 SBA loans funded across 41 states, they are one of a small set of true national SBA lenders. Their portfolio default rate is 31.3% (resolved-loan basis). If your deal profile aligns with their underwriting box, this lender is worth a quote. PeerSense matches your specific deal against CitiCapital Small Business Finance, Inc. and 897+ alternatives.
Recent SBA Activity at CitiCapital Small Business Finance, Inc.
Franchise lending: CitiCapital Small Business Finance, Inc. has funded SBA loans for multiple franchise concepts, with the highest volume in MATCO TOOLS (RENT TOOLS), COTTMAN TRANSMISSION, and GOLF ETC.. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.
Industry concentration: The lender's highest-volume SBA industries are Motor Vehicle Dealers, Repair & Maintenance, and Sporting Goods & Hobby. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are Texas, California, Florida, Michigan, and Missouri. Lenders typically underwrite faster in states where they already have closing comps.
Compare CitiCapital Small Business Finance, Inc. to Similar SBA Lenders
Other SBA lenders headquartered in Texas with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
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About CitiCapital Small Business Finance, Inc. SBA Lending
CitiCapital Small Business Finance, Inc. is an SBA lender headquartered in Texas. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
CitiCapital Small Business Finance, Inc. serves borrowers across 41 states and 46 industry sectors, making it a national SBA lender with broad geographic coverage. To find out whether CitiCapital Small Business Finance, Inc. is a good fit for your specific deal, reach out to PeerSense for a free lender match.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.
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See Related Rates by Program
PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of August 1, 2026.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive. Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting
Foreign National
7.50–11.00%Non-US borrower CRE + bridge, no SSN required
Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.