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
80
2010–2023
Total Volume
$26M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
80 total segments
Most active in Minnesota (100% of deals) and focuses heavily on manufacturing (26% of deals).
Manufacturing makes up 26% of American Heritage National Bank's deals — 6.2x the national average. This is a clear specialist, not a generalist who happens to do some manufacturing lending.
80 SBA loans worth $26.3M since FY2010, with deal volume up 67% over the prior year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 24 504 loans, which use fixed SBA debenture rates.
States where American Heritage National Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Building Construction
Construction
Finance & Insurance
Finance & Insurance
Personal Care (Salons, Spas)
Other Services
Transportation & Warehousing
Transportation & Warehousing
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for American Heritage National Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Minnesota · Manufacturing · Under $150K | 7(a) | 6 | P+2.00% | $62K | Q2 2018 |
| Minnesota · Retail Trade · Under $150K | 7(a) | 6 | P+2.25% | $56K | Q4 2018 |
| Minnesota · Manufacturing · $350K – $500K | 504 | 5 | — | $413K | Q3 2017 |
| Minnesota · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+2.25% | $45K | Q1 2018 |
| Minnesota · Manufacturing · $500K – $1M | 504 | 4 | — | $671K | Q4 2020 |
| Minnesota · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+0.88% | $40K | Q4 2022 |
| Minnesota · Finance & Insurance · Under $150K | 7(a) | 4 | P+2.38% | $34K | Q1 2017 |
| Minnesota · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.63% | $89K | Q1 2017 |
| Minnesota · Real Estate · Under $150K | 7(a) | 3 | P+2.00% | $36K | Q2 2018 |
| Minnesota · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.25% | $39K | Q2 2014 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+-1.00% | $73K | Q2 2018 |
| Minnesota · Management & IT Consulting · Under $150K | 7(a) | 2 | P+2.25% | $13K | Q1 2015 |
| Minnesota · Building Construction · $500K – $1M | 504 | 2 | — | $743K | Q3 2020 |
| Minnesota · Other Repair & Services · Under $150K | 7(a) | 2 | P+1.35% | $38K | Q4 2017 |
| Minnesota · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.38% | $291K | Q3 2017 |
| Minnesota · Manufacturing · $1M – $2M | 504 | 2 | — | $1.9M | Q4 2021 |
| Minnesota · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.75% | $50K | Q4 2019 |
| Minnesota · Arts, Entertainment & Recreation · $500K – $1M | 504 | 2 | — | $650K | Q3 2020 |
| Minnesota · Manufacturing · $150K – $350K | 504 | 1 | — | $209K | Q4 2011 |
| Minnesota · Arts, Entertainment & Recreation · $1M – $2M | 504 | 1 | — | $1.6M | Q4 2021 |
| Minnesota · Physician & Dental Offices · $150K – $350K | 504 | 1 | — | $306K | Q4 2012 |
| Minnesota · Manufacturing · $2M – $5M | 504 | 1 | — | $4.7M | Q4 2021 |
| Minnesota · Building Construction · Under $150K | 7(a) | 1 | P+1.75% | $130K | Q1 2011 |
| Minnesota · Building Construction · $150K – $350K | 7(a) | 1 | P+2.75% | $350K | Q2 2011 |
| Minnesota · Auto Dealers & Parts · Under $150K | 7(a) | 1 | P+1.50% | $15K | Q3 2016 |
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