STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
183
2010–2026
Total Volume
$107M
Gross loan amounts
States Active
9
With recorded loans
Programs
7(a) & 504
183 total segments
Academy Bank has a strong focus on 504 loans, with 33% of their total SBA deals in this category, significantly higher than the national average of 18%. This indicates they are well-suited for borrowers looking for real estate financing.
With an average 7(a) spread of P+1.81%, Academy Bank offers competitive pricing compared to the national median of P+2.75%. This lower spread can save borrowers money over the life of their loan.
The lender's deal volume has declined by 22% year-over-year, which may indicate a tightening of lending standards. Borrowers should be prepared for potentially more scrutiny during the application process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 60 504 loans, which use fixed SBA debenture rates.
States where Academy Bank National Association has recorded SBA lending activity.
+ 4 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Personal Care (Salons, Spas)
Other Services
Wholesale Trade
Wholesale Trade
Legal Services
Professional Services
Management & IT Consulting
Professional Services
+ 7 more
All recorded SBA lending activity for Academy Bank National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Colorado · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+2.00% | $124K | Q4 2022 |
| Colorado · Manufacturing · $500K – $1M | 504 | 3 | — | $775K | Q2 2014 |
| Kansas · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+2.25% | $115K | Q1 2017 |
| Colorado · Management & IT Consulting · Under $150K | 7(a) | 3 | P+1.75% | $96K | Q1 2016 |
| Colorado · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.00% | $755K | Q2 2024 |
| Colorado · Auto Repair & Maintenance · $350K – $500K | 504 | 2 | — | $403K | Q1 2020 |
| Missouri · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.50% | $125K | Q2 2024 |
| Colorado · Retail Trade · $150K – $350K | 504 | 2 | — | $225K | Q4 2019 |
| Colorado · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.38% | $275K | Q1 2025 |
| Colorado · Auto Repair & Maintenance · $500K – $1M | 504 | 2 | — | $872K | Q2 2020 |
| Kansas · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+2.75% | $84K | Q3 2015 |
| Colorado · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.38% | $131K | Q3 2016 |
| Kansas · Engineering & Architecture · Under $150K | 7(a) | 2 | P+2.50% | $58K | Q4 2014 |
| Colorado · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+2.00% | $315K | Q4 2016 |
| Colorado · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+0.75% | $346K | Q4 2022 |
| Colorado · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+1.50% | $1.5M | Q2 2019 |
| Kansas · Other Professional Services · $150K – $350K | 7(a) | 2 | P+1.00% | $213K | Q2 2025 |
| Missouri · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+1.50% | $662K | Q1 2015 |
| Colorado · Legal Services · $150K – $350K | 504 | 2 | — | $243K | Q2 2021 |
| Colorado · Management & IT Consulting · $150K – $350K | 7(a) | 2 | P+1.25% | $250K | Q2 2017 |
| California · Heavy & Civil Engineering · $500K – $1M | 7(a) | 2 | P+1.00% | $800K | Q4 2023 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 2 | P+1.88% | $123K | Q4 2022 |
| Colorado · Other Professional Services · Under $150K | 7(a) | 2 | P+2.50% | $43K | Q3 2014 |
| Colorado · Legal Services · Under $150K | 504 | 2 | — | $127K | Q1 2019 |
| Colorado · Real Estate · $150K – $350K | 7(a) | 2 | P+2.13% | $274K | Q3 2016 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with Academy Bank National Association.
No reviews yet. Be the first to review Academy Bank National Association.