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
178
2010–2026
Total Volume
$116M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
178 total segments
American Community Bank & Trust has a strong focus on 504 loans, with 47% of their total SBA deals in this program. This makes them a great option for businesses looking to finance real estate or large equipment purchases.
With an average 7(a) spread of P+1.47%, American Community Bank & Trust offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings on interest for your loan.
The lender's growth trend shows a remarkable 78% year-over-year increase in deals, indicating a strong upward trajectory. This suggests they are actively expanding and may be more willing to work with new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 83 504 loans, which use fixed SBA debenture rates.
States where American Community Bank & Trust has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Transportation & Warehousing
Transportation & Warehousing
Legal Services
Professional Services
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for American Community Bank & Trust, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Illinois · Manufacturing · Under $150K | 7(a) | 10 | P+1.00% | $89K | Q4 2023 |
| Illinois · Manufacturing · $500K – $1M | 504 | 7 | — | $671K | Q2 2025 |
| Illinois · Legal Services · Under $150K | 7(a) | 5 | P+1.50% | $98K | Q1 2024 |
| Illinois · Manufacturing · $150K – $350K | 504 | 5 | — | $285K | Q2 2021 |
| Illinois · Manufacturing · $1M – $2M | 504 | 5 | — | $1.2M | Q3 2025 |
| Illinois · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+1.50% | $288K | Q3 2025 |
| Illinois · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+1.13% | $93K | Q1 2022 |
| Illinois · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.25% | $103K | Q2 2023 |
| Illinois · Specialty Trade Contractors · $500K – $1M | 7(a) | 3 | P+1.50% | $825K | Q4 2025 |
| Illinois · Management & IT Consulting · $150K – $350K | 7(a) | 3 | P+1.00% | $255K | Q4 2023 |
| Illinois · Administrative & Waste Services · $500K – $1M | 504 | 3 | — | $729K | Q1 2025 |
| Illinois · Manufacturing · $1M – $2M | 7(a) | 3 | P+1.00% | $1.3M | Q2 2019 |
| Illinois · Management & IT Consulting · Under $150K | 7(a) | 2 | P+1.88% | $100K | Q1 2016 |
| Illinois · Wholesale Trade · $500K – $1M | 504 | 2 | — | $802K | Q3 2025 |
| Illinois · Social Assistance · $150K – $350K | 504 | 2 | — | $207K | Q4 2021 |
| Illinois · Laundry & Dry Cleaning · $1M – $2M | 504 | 2 | — | $1.3M | Q3 2023 |
| Illinois · Transportation & Warehousing · $1M – $2M | 504 | 2 | — | $1.5M | Q4 2025 |
| Illinois · Manufacturing · $350K – $500K | 504 | 2 | — | $362K | Q2 2020 |
| Illinois · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $655K | Q4 2021 |
| Illinois · Other Repair & Services · $150K – $350K | 504 | 2 | — | $173K | Q2 2023 |
| Illinois · Specialty Trade Contractors · $1M – $2M | 7(a) | 2 | P+1.63% | $1.2M | Q1 2025 |
| Illinois · Specialty Trade Contractors · $500K – $1M | 504 | 2 | — | $802K | Q3 2024 |
| Illinois · Building Construction · Under $150K | 7(a) | 2 | P+1.00% | $75K | Q1 2024 |
| Illinois · Retail Trade · $1M – $2M | 504 | 2 | — | $1.2M | Q4 2025 |
| Illinois · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.00% | $70K | Q2 2018 |
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