GOOD
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
238
2011–2026
Total Volume
$124M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
238 total segments
American Riviera Bank has a strong focus on existing businesses, with 70% of their deals serving this purpose. This is beneficial for borrowers looking to expand or refinance established operations.
With an average 7(a) spread of P+2.38%, American Riviera Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings over the life of your loan.
Despite a solid 23% share of 504 loans, American Riviera Bank is experiencing a decline in SBA deal volume, down 11% year-over-year. This trend may affect their willingness to lend, so be prepared for a potentially rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 55 504 loans, which use fixed SBA debenture rates.
States where American Riviera Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Real Estate
Real Estate
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Miscellaneous Retail
Retail Trade
Building Construction
Construction
+ 7 more
All recorded SBA lending activity for American Riviera Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · Under $150K | 7(a) | 22 | P+2.63% | $68K | Q3 2024 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 13 | P+2.75% | $237K | Q1 2023 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 9 | P+2.75% | $684K | Q3 2024 |
| California · Manufacturing · Under $150K | 7(a) | 8 | P+2.50% | $95K | Q2 2021 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 7 | P+2.50% | $424K | Q2 2022 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 7 | P+2.75% | $91K | Q1 2022 |
| California · Manufacturing · $500K – $1M | 7(a) | 6 | P+2.38% | $643K | Q3 2023 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 5 | P+2.75% | $1.3M | Q1 2023 |
| California · Arts, Entertainment & Recreation · Under $150K | 7(a) | 5 | P+2.50% | $60K | Q3 2025 |
| California · Other Health Practitioners · Under $150K | 7(a) | 4 | P+2.75% | $73K | Q2 2025 |
| California · Wholesale Trade · $350K – $500K | 7(a) | 4 | P+2.63% | $407K | Q4 2025 |
| California · Real Estate · Under $150K | 7(a) | 4 | P+2.63% | $74K | Q3 2025 |
| California · Wholesale Trade · Under $150K | 7(a) | 4 | P+2.63% | $113K | Q2 2020 |
| California · Finance & Insurance · $150K – $350K | 7(a) | 3 | P+2.25% | $242K | Q2 2023 |
| California · Manufacturing · $1M – $2M | 7(a) | 3 | P+2.25% | $1.4M | Q2 2025 |
| California · Manufacturing · $350K – $500K | 7(a) | 3 | P+2.25% | $394K | Q1 2023 |
| California · Miscellaneous Retail · Under $150K | 7(a) | 3 | P+2.25% | $78K | Q4 2025 |
| California · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.75% | $100K | Q1 2022 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 3 | P+2.50% | $803K | Q4 2024 |
| California · Building Construction · Under $150K | 7(a) | 3 | P+2.75% | $102K | Q2 2025 |
| California · Finance & Insurance · $150K – $350K | 504 | 3 | — | $265K | Q2 2021 |
| California · Miscellaneous Retail · $500K – $1M | 504 | 3 | — | $582K | Q3 2024 |
| California · Hotels & Accommodation · $2M – $5M | 504 | 2 | — | $5.0M | Q3 2025 |
| California · Other Professional Services · $150K – $350K | 7(a) | 2 | P+2.50% | $201K | Q4 2017 |
| California · Manufacturing · $1M – $2M | 504 | 2 | — | $1.3M | Q1 2022 |
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Real experiences from borrowers who closed SBA loans with American Riviera Bank.
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