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
433
2010–2026
Total Volume
$429M
Gross loan amounts
States Active
12
With recorded loans
Programs
7(a) & 504
433 total segments
American Continental Bank primarily focuses on 7(a) loans, with 423 out of 433 total deals in this program, indicating a strong preference for working capital and operational needs over real estate financing.
The average spread for 7(a) loans at American Continental Bank is P+1.73%, which is significantly lower than the national median of P+2.75%. This makes them an attractive option for borrowers looking for lower interest rates.
With a year-over-year decline of 3% in deal volume, American Continental Bank may be tightening its lending criteria, which could make it more challenging for new applicants to secure financing.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 10 504 loans, which use fixed SBA debenture rates.
States where American Continental Bank has recorded SBA lending activity.
+ 7 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Food & Beverage Stores
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Laundry & Dry Cleaning
Other Services
Gas Stations
Retail Trade
Wholesale Trade
Wholesale Trade
Miscellaneous Retail
Retail Trade
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for American Continental Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 36 | P+1.50% | $724K | Q3 2025 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 30 | P+2.00% | $261K | Q3 2024 |
| California · Food & Beverage Stores · $1M – $2M | 7(a) | 17 | P+1.00% | $1.4M | Q4 2025 |
| California · Food & Beverage Stores · Under $150K | 7(a) | 14 | P+2.00% | $135K | Q4 2025 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 14 | P+2.13% | $262K | Q2 2025 |
| California · Hotels & Accommodation · $1M – $2M | 7(a) | 13 | P+1.25% | $1.4M | Q1 2021 |
| California · Food & Beverage Stores · $350K – $500K | 7(a) | 13 | P+2.00% | $432K | Q2 2025 |
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 12 | P+1.25% | $3.9M | Q1 2022 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 10 | P+1.88% | $772K | Q3 2025 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 9 | P+2.00% | $731K | Q3 2025 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.00% | $131K | Q2 2024 |
| California · Laundry & Dry Cleaning · $150K – $350K | 7(a) | 8 | P+2.38% | $220K | Q4 2024 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 7 | P+2.25% | $263K | Q1 2024 |
| California · Auto Repair & Maintenance · $1M – $2M | 7(a) | 7 | P+1.25% | $1.5M | Q2 2025 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 6 | P+2.00% | $432K | Q3 2025 |
| California · Gas Stations · $2M – $5M | 7(a) | 6 | P+1.38% | $3.0M | Q1 2022 |
| California · Gas Stations · $1M – $2M | 7(a) | 6 | P+1.63% | $1.4M | Q2 2022 |
| California · Hotels & Accommodation · $500K – $1M | 7(a) | 6 | P+1.38% | $812K | Q4 2024 |
| California · Gas Stations · $500K – $1M | 7(a) | 5 | P+1.75% | $834K | Q3 2021 |
| California · Nursing & Residential Care · $500K – $1M | 7(a) | 5 | P+1.00% | $649K | Q2 2025 |
| Washington · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.25% | $274K | Q1 2024 |
| California · Laundry & Dry Cleaning · $500K – $1M | 7(a) | 5 | P+1.75% | $792K | Q3 2024 |
| California · Laundry & Dry Cleaning · $350K – $500K | 7(a) | 4 | P+2.00% | $430K | Q1 2025 |
| California · Restaurants & Food Service · $2M – $5M | 7(a) | 4 | P+1.13% | $2.4M | Q4 2025 |
| California · Laundry & Dry Cleaning · Under $150K | 7(a) | 4 | P+2.00% | $123K | Q1 2023 |
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