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
97
2010–2024
Total Volume
$109M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
97 total segments
American Commerce Bank has a notable 21% share of 504 loans, which is above the national average of 18%. This indicates a strong capability in real estate financing, making them a good option for borrowers looking to purchase property.
With an average 7(a) spread of P+2.06%, American Commerce Bank offers competitive pricing compared to the national median of P+2.75%. This can result in lower interest costs for borrowers, enhancing affordability.
The lender's deal size breakdown shows a significant focus on loans between $150K and $350K, with 23 deals in this range. If your financing needs fall within this band, American Commerce Bank may be particularly well-suited to meet your requirements.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 20 504 loans, which use fixed SBA debenture rates.
States where American Commerce Bank, National Association has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Gas Stations
Retail Trade
Food & Beverage Stores
Retail Trade
Miscellaneous Retail
Retail Trade
Auto Repair & Maintenance
Other Services
Real Estate
Real Estate
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for American Commerce Bank, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Alabama · Hotels & Accommodation · $2M – $5M | 7(a) | 5 | P+2.00% | $3.0M | Q4 2017 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.00% | $299K | Q2 2024 |
| Georgia · Gas Stations · $500K – $1M | 7(a) | 4 | P+2.00% | $764K | Q4 2015 |
| Florida · Restaurants & Food Service · $500K – $1M | 504 | 4 | — | $748K | Q3 2012 |
| Georgia · Miscellaneous Retail · $2M – $5M | 7(a) | 3 | P+1.75% | $3.7M | Q1 2023 |
| Alabama · Hotels & Accommodation · $150K – $350K | 7(a) | 3 | P+1.25% | $283K | Q3 2017 |
| Georgia · Gas Stations · $150K – $350K | 7(a) | 3 | P+2.50% | $278K | Q1 2014 |
| Georgia · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.00% | $441K | Q1 2021 |
| Alabama · Hotels & Accommodation · $1M – $2M | 7(a) | 3 | P+1.75% | $1.5M | Q3 2017 |
| Georgia · Food & Beverage Stores · $1M – $2M | 7(a) | 3 | P+2.25% | $1.2M | Q4 2019 |
| Georgia · Miscellaneous Retail · $150K – $350K | 7(a) | 2 | P+1.88% | $207K | Q2 2022 |
| Georgia · Management & IT Consulting · $150K – $350K | 7(a) | 2 | P+2.38% | $248K | Q4 2019 |
| Florida · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+2.00% | $95K | Q4 2017 |
| Georgia · Food & Beverage Stores · $2M – $5M | 7(a) | 2 | P+2.38% | $4.1M | Q2 2021 |
| Georgia · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+1.88% | $3.7M | Q3 2023 |
| Georgia · Food & Beverage Stores · $350K – $500K | 7(a) | 2 | P+2.13% | $404K | Q1 2015 |
| Georgia · Agriculture & Forestry · $500K – $1M | 7(a) | 2 | P+1.63% | $809K | Q4 2012 |
| Georgia · Gas Stations · $350K – $500K | 7(a) | 2 | P+2.00% | $465K | Q3 2021 |
| Florida · Restaurants & Food Service · $150K – $350K | 504 | 2 | — | $257K | Q4 2012 |
| Georgia · Real Estate · $500K – $1M | 7(a) | 2 | P+1.92% | $575K | Q3 2020 |
| Georgia · Finance & Insurance · Under $150K | 7(a) | 1 | P+2.00% | $50K | Q4 2014 |
| Georgia · Finance & Insurance · $350K – $500K | 7(a) | 1 | P+2.50% | $467K | Q2 2018 |
| Georgia · Real Estate · $150K – $350K | 7(a) | 1 | P+2.75% | $226K | Q1 2014 |
| Georgia · Real Estate · $1M – $2M | 7(a) | 1 | P+2.00% | $1.5M | Q2 2015 |
| Georgia · Arts, Entertainment & Recreation · Under $150K | 7(a) | 1 | P+2.50% | $15K | Q3 2016 |
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Real experiences from borrowers who closed SBA loans with American Commerce Bank, National Association.
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