SBA Loan Leads Cost $50-$150 in 2026
What brokers actually pay for 7(a) and 504 leads, and the cost-per-funded-loan math that the sticker price hides.
Quick Answer
Purchased SBA loan leads cost $50-$150 each. Shared internet leads and aged lists cluster near $50-$100. Leads sold as exclusive or as a booked appointment run $150 and up. On the benchmarks already published here, generating an exclusive opportunity from a timing signal runs about $5-$20 per lead. The number that matters is cost per funded loan, after dead contacts and shared-list waste.
SBA lead prices by source
These ranges match the commercial and SBA figures on our 2026 lead generation cost benchmarks and the commercial loan lead buying guide. A vendor who quotes a single price without saying how many other brokers received the same borrower is not quoting a comparable product.
| Source | Price | What you usually receive |
|---|---|---|
| Aged SBA list | $25-$75 | Name, phone, and a form fill from weeks or months ago. Often resold. |
| Shared live SBA lead | $50-$150 | A recent form fill sold to several brokers at once. First call wins, if anyone is still looking. |
| Exclusive appointment | $150-$400 | A scheduled conversation. You pay for the meeting, then still have to qualify use of proceeds, time in business, and credit. |
| Signal-built, exclusive | $5-$20 | A business with a reason to need capital now, plus a decision-maker contact. You are not in a five-broker pile-on. |
Purchased ranges are the same bands used across our 2026 pricing guides. The $5-$20 signal figure is the in-house generation band from those same guides, not a quote from a pay-per-lead vendor.
Cost per funded SBA loan
Hold the close rate still so price is the only variable. Commercial close rates on bought leads on this site run 5-15%. The example below uses 5%, which is the careful end of that range, and assumes you can actually reach every lead. Real shared lists are worse than this, because a large share of phones and inboxes are already dead.
100 shared SBA leads at $100
- Spend
- $10,000
- Funded at a 5% close
- 5 loans
- Cost per funded loan
- $2,000
100 exclusive leads at $15
- Spend
- $1,500
- Funded at the same 5% close
- 5 loans
- Cost per funded loan
- $300
If the shared list is 40% unreachable, you funded fewer than 5 loans and the $2,000 figure goes up. Exclusive timing can also raise the close rate. This table does not take that credit. It only shows what the sticker price does on its own.
7(a) leads and 504 leads are different products
7(a)
Working capital, acquisitions, partner buyouts, refinance of eligible debt, and mixed requests. The borrower often cannot tell you the program. Your first question is use of proceeds and whether a bank, credit union, or non-bank lender is the right next call.
504
Owner-occupied real estate or long-life equipment, with a CDC in the structure. A lead that says “I need an SBA loan for a building” is a 504 conversation, and it overlaps commercial real estate financing leads, not a generic 7(a) internet form.
What to verify before outreach
- Use of proceeds is specific enough to name a program.
- Time in business and rough revenue fit a real credit box, not “startup, no revenue, wants $2 million.”
- The contact is an owner or financial decision-maker, not info@.
- You know whether anyone else was sold the same borrower today.
- The request is inside your geography and your lending partners’ boxes.
Where a cheaper SBA pipeline comes from
Form fills happen after the borrower has already decided to shop. The earlier signal is the event that creates the need: a contract that has to be staffed, an acquisition, a building they want to occupy, or equipment they cannot pay cash for. Those businesses are SBA candidates before they submit a lead form.
That is the motion behind SBA lending leads. Agents watch for the event, attach an owner or finance contact, and hand you a reason to call. You still qualify the deal. You stop paying five other brokers for the same form fill.
SBA lead cost FAQ
How much do SBA loan leads cost?
Purchased SBA leads typically cost $50-$150. Aged shared lists can be $25-$75. Exclusive appointments often run $150-$400. Read the exclusivity terms before you compare those prices.
Are cheap SBA leads worth buying?
Only if you can reach them and you are early. A $50 lead sold to a dozen brokers, with a dead number, costs more per funded loan than a lead you are first to work.
What is the difference between 7(a) and 504 leads?
7(a) covers a wide use of proceeds, including working capital and acquisitions. 504 is for owner-occupied real estate and major fixed assets, structured with a CDC. The label “SBA lead” does not tell you which one you are looking at.
Is generating SBA leads cheaper than buying them?
On these benchmarks, yes. Exclusive signal-built leads run about $5-$20, against $50-$150 to buy a shared one. See the full industry table in how much sales leads cost.
Build an SBA pipeline you do not share
See how Intel Agents surface SBA candidates from timing signals, with a contact and a reason to call.