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
208
2010–2026
Total Volume
$192M
Gross loan amounts
States Active
8
With recorded loans
Programs
7(a) & 504
208 total segments
Bank of Oak Ridge primarily focuses on 7(a) loans, with only 2.4% of their deals being 504 loans. If you're looking for a 504 loan, consider other lenders.
With an average deal size of $923,431 and a strong focus on loans between $500K and $1M, this lender is well-suited for established businesses seeking significant funding.
The lender's year-over-year growth trend shows a decline of 7%, indicating they may be tightening their lending criteria, which could affect approval chances.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 5 504 loans, which use fixed SBA debenture rates.
States where Bank of Oak Ridge has recorded SBA lending activity.
+ 3 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Manufacturing
Manufacturing
Miscellaneous Retail
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
Auto Repair & Maintenance
Other Services
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for Bank of Oak Ridge, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| North Carolina · Restaurants & Food Service · $500K – $1M | 7(a) | 10 | P+2.00% | $650K | Q1 2025 |
| North Carolina · Restaurants & Food Service · $350K – $500K | 7(a) | 8 | P+2.75% | $390K | Q4 2025 |
| North Carolina · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+2.25% | $283K | Q3 2025 |
| North Carolina · Specialty Trade Contractors · $500K – $1M | 7(a) | 4 | P+2.25% | $733K | Q4 2025 |
| North Carolina · Restaurants & Food Service · $2M – $5M | 7(a) | 4 | P+1.80% | $3.0M | Q4 2024 |
| North Carolina · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 4 | P+2.25% | $599K | Q4 2023 |
| North Carolina · Food & Beverage Stores · $500K – $1M | 7(a) | 4 | P+2.50% | $674K | Q4 2025 |
| North Carolina · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+3.00% | $63K | Q2 2012 |
| North Carolina · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.00% | $318K | Q3 2023 |
| North Carolina · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 4 | P+2.50% | $302K | Q4 2024 |
| North Carolina · Manufacturing · $1M – $2M | 7(a) | 4 | P+2.75% | $1.1M | Q2 2023 |
| North Carolina · Arts, Entertainment & Recreation · $2M – $5M | 7(a) | 3 | P+2.00% | $3.6M | Q1 2025 |
| North Carolina · Auto Repair & Maintenance · $150K – $350K | 7(a) | 3 | P+2.50% | $276K | Q1 2024 |
| North Carolina · Auto Repair & Maintenance · $350K – $500K | 7(a) | 3 | P+2.25% | $410K | Q4 2025 |
| North Carolina · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+1.75% | $55K | Q4 2023 |
| North Carolina · Miscellaneous Retail · $1M – $2M | 7(a) | 3 | P+2.00% | $1.4M | Q1 2025 |
| South Carolina · Manufacturing · $1M – $2M | 7(a) | 3 | P+2.00% | $1.5M | Q1 2024 |
| South Carolina · Arts, Entertainment & Recreation · $2M – $5M | 7(a) | 3 | P+2.25% | $2.5M | Q3 2025 |
| North Carolina · Hotels & Accommodation · $2M – $5M | 7(a) | 3 | P+2.00% | $3.5M | Q4 2025 |
| Virginia · Engineering & Architecture · $500K – $1M | 7(a) | 3 | P+2.25% | $637K | Q3 2025 |
| North Carolina · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.75% | $141K | Q2 2024 |
| South Carolina · Other Repair & Services · $500K – $1M | 7(a) | 2 | P+2.13% | $674K | Q3 2025 |
| South Carolina · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.63% | $250K | Q3 2022 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.63% | $349K | Q4 2022 |
| North Carolina · Engineering & Architecture · $1M – $2M | 7(a) | 2 | P+2.19% | $1.3M | Q2 2024 |
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