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Huntington National Bank SBA loans review

Apply for a 7(a), Express or 504 loan through this regional lender.

  • Best for business owners in the Midwest looking for government-backed financing.
  • Pick something else if you want fast access to working capital.
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Min. Amount$5,000
Max. Amount$5,000,000
Loan TermUp to 300 months
RequirementsMeet the SBA requirements for a government-backed loan

First, do I qualify?

Huntington National Bank doesn’t disclose any specific requirements for its SBA loans. However, you’ll have to meet the SBA’s general requirements, which includes meeting its size standards for small businesses, working in an eligible industry and operating as a for-profit enterprise.

What states are Huntington National Bank SBA loans available in?

Huntington National Bank has SBA loan specialists in the following states:

  • Florida
  • Illinois
  • Indiana
  • Kentucky
  • Michigan
  • Ohio
  • Pennsylvania
  • West Virginia
  • Wisconsin

What makes Huntington National Bank SBA loans unique?

Huntington National Bank offers a wider range of SBA loans than you might find with other lenders, including SBA 7(a), Express and 504 loans. Its high approval rate also means you might have a better chance getting approved for a loan — though it might not give out loans as large as some of its other top-ranking competitors.

Huntington Community Plan

In August 2020, Huntington National Bank announced a $20 billion plan to increase economic opportunities in the states it serves. This includes a $7.6 billion small business program and a $4.9 billion community lending program. The goal is to provide resources to underserved business populations, such as BIPOC, women and veteran business owners.

Details about the program are not available as of September 2020.


  • One of the most active SBA lenders in the country
  • Offers SBA 7(a), Express and 504 loans
  • Loans from $5,000 to $5 million


  • Limited information available online
  • No online application
  • SBA loan specialists aren’t always available during regular business hours
  • Only has branches in nine states

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How do I apply?

You can apply for an SBA loan over the phone or in person at your local branch. Either option you choose, it might be best to find an SBA loan specialist near you first. Here’s how to get started:

  1. Go to the Huntington National Bank’s website.
  2. Click Business in the top menu.
  3. Click Borrowing in the main navigation bar and select Find an SBA Specialist.
  4. Scroll down to your state and review the specialists you can apply with.
  5. After choosing a specialist, either call them or send an email to set up an appointment.

What documents do I need to apply?

It depends on the type of loan you apply for and your business’s particular circumstances. SBA loans come with a notoriously long list of documents and forms required, including a detailed list of each owner’s personal assets and criminal histories. You can learn more about what to expect by reading our guide to SBA loan requirements.

How do repayments work?

SBA loans generally come with monthly repayments that are determined by your loan amount, interest rate and term. Check your loan contract to find out when your repayments are due and how much you owe each month.

Ask your SBA loan specialist if it’s possible to set up autopay so you don’t have to take the time for manual payments each month. And if you have any questions or concerns, reach out to customer service as soon as you can.

See how Huntington compares to other SBA lenders with our guide to business loans.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Huntington National Bank is one of the most active Small Business Administration (SBA) lenders in the country and the top bank in the region it serves. It also approves more applications to the 7(a) loan program than most other SBA lenders — on top of offering Express and 504 loans as well.

It might be a good option if your business is located near one of its branches in parts of the Midwest, South and East Coast. But it doesn’t provide much information online about how its loans work. And when we called for more information, we were passed around to a few different representatives and never actually connected with a specialist.

Not sure about Huntington? Compare your other options below.

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