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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
127
2016–2026
Total Volume
$112M
Gross loan amounts
States Active
13
With recorded loans
Programs
7(a) & 504
127 total segments
Bank of Clarke has a notable 20% share of 504 loans, which is higher than the national average of 18%. This indicates a solid capability in financing real estate and larger projects, making them a good option for borrowers looking for 504 loans.
With an average deal size of $881,372 and a significant number of deals in the $150K-$350K range (33 deals), Bank of Clarke is well-suited for borrowers seeking mid-sized loans, particularly those in the restaurant and personal care industries.
The lender's growth trend shows a slight decline of 3% year-over-year, which may indicate a tightening in lending criteria. Borrowers should be prepared for potentially stricter approval processes compared to previous years.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 25 504 loans, which use fixed SBA debenture rates.
States where Bank of Clarke has recorded SBA lending activity.
+ 8 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Personal Care (Salons, Spas)
Other Services
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Miscellaneous Retail
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for Bank of Clarke, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Virginia · Specialty Trade Contractors · $350K – $500K | 7(a) | 5 | P+2.25% | $460K | Q3 2025 |
| Virginia · Personal Care (Salons, Spas) · $500K – $1M | 7(a) | 4 | P+2.00% | $806K | Q3 2025 |
| Virginia · Administrative & Waste Services · $150K – $350K | 7(a) | 3 | P+2.75% | $292K | Q4 2025 |
| Virginia · Transportation & Warehousing · $2M – $5M | 7(a) | 2 | P+2.25% | $3.8M | Q3 2024 |
| Virginia · Other Health Practitioners · $500K – $1M | 7(a) | 2 | P+2.50% | $582K | Q3 2025 |
| Virginia · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+1.88% | $1.6M | Q1 2025 |
| Virginia · Manufacturing · $150K – $350K | 504 | 2 | — | $278K | Q2 2022 |
| Virginia · Personal Care (Salons, Spas) · $150K – $350K | 504 | 2 | — | $215K | Q3 2022 |
| Virginia · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $221K | Q3 2022 |
| Maryland · Food & Beverage Stores · $500K – $1M | 7(a) | 2 | P+1.75% | $744K | Q3 2024 |
| Maryland · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+2.25% | $930K | Q4 2024 |
| Virginia · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+1.75% | $730K | Q2 2025 |
| Virginia · Wholesale Trade · $350K – $500K | 7(a) | 2 | P+2.25% | $493K | Q1 2024 |
| Florida · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 1 | P+2.00% | $250K | Q1 2025 |
| Florida · Personal Care (Salons, Spas) · $350K – $500K | 7(a) | 1 | P+1.50% | $500K | Q3 2024 |
| Florida · Personal Care (Salons, Spas) · $500K – $1M | 7(a) | 1 | P+0.00% | $690K | Q1 2024 |
| Florida · Utilities · $1M – $2M | 7(a) | 1 | P+3.00% | $1.3M | Q1 2025 |
| Georgia · Restaurants & Food Service · $1M – $2M | 7(a) | 1 | P+3.00% | $1.1M | Q2 2024 |
| Georgia · Laundry & Dry Cleaning · $350K – $500K | 7(a) | 1 | P+3.50% | $411K | Q3 2024 |
| Maryland · Miscellaneous Retail · $150K – $350K | 7(a) | 1 | P+2.50% | $250K | Q4 2024 |
| Maryland · Miscellaneous Retail · $1M – $2M | 7(a) | 1 | P+2.50% | $1.8M | Q2 2024 |
| Maryland · Miscellaneous Retail · $350K – $500K | 7(a) | 1 | P+2.75% | $405K | Q2 2024 |
| Maryland · Miscellaneous Retail · $500K – $1M | 7(a) | 1 | P+2.75% | $667K | Q4 2025 |
| Maryland · Restaurants & Food Service · $150K – $350K | 7(a) | 1 | P+2.50% | $250K | Q4 2022 |
| Maryland · Restaurants & Food Service · $2M – $5M | 7(a) | 1 | P+2.00% | $2.6M | Q3 2025 |
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