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
258
2010–2025
Total Volume
$123M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
258 total segments
Bank of the Pacific has a strong focus on 504 loans, with 29% of their SBA deals in this category, significantly higher than the national average of 18%. This makes them a good option for borrowers seeking real estate financing.
With an average 7(a) spread of P+1.85%, Bank of the Pacific offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings on interest for borrowers.
The lender primarily serves existing businesses, with 70% of their deals focused on this category. If you're a startup or looking to acquire a business, you may find fewer options here.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 75 504 loans, which use fixed SBA debenture rates.
States where Bank of the Pacific 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
Food & Beverage Stores
Retail Trade
Auto Repair & Maintenance
Other Services
Agriculture & Forestry
Agriculture & Forestry
Physician & Dental Offices
Health Care & Social Assistance
Hotels & Accommodation
Accommodation & Food Services
+ 7 more
All recorded SBA lending activity for Bank of the Pacific, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Washington · Restaurants & Food Service · $150K – $350K | 7(a) | 36 | P+1.75% | $294K | Q3 2022 |
| Washington · Manufacturing · Under $150K | 7(a) | 12 | P+2.00% | $95K | Q1 2025 |
| Washington · Restaurants & Food Service · Under $150K | 7(a) | 11 | P+2.00% | $76K | Q4 2018 |
| Washington · Restaurants & Food Service · $500K – $1M | 7(a) | 11 | P+2.50% | $602K | Q4 2015 |
| Washington · Manufacturing · $150K – $350K | 7(a) | 10 | P+1.63% | $231K | Q4 2023 |
| Washington · Restaurants & Food Service · $350K – $500K | 7(a) | 6 | P+1.63% | $403K | Q4 2018 |
| Washington · Auto Repair & Maintenance · $500K – $1M | 7(a) | 4 | P+1.38% | $652K | Q1 2016 |
| Washington · Manufacturing · $150K – $350K | 504 | 4 | — | $277K | Q1 2022 |
| Washington · Specialty Trade Contractors · $500K – $1M | 504 | 4 | — | $681K | Q3 2024 |
| Washington · Agriculture & Forestry · $150K – $350K | 7(a) | 4 | P+2.38% | $279K | Q4 2020 |
| Washington · Engineering & Architecture · Under $150K | 7(a) | 4 | P+1.38% | $115K | Q2 2017 |
| Washington · Manufacturing · $1M – $2M | 504 | 3 | — | $1.3M | Q1 2022 |
| Washington · Auto Repair & Maintenance · $150K – $350K | 7(a) | 3 | P+1.75% | $334K | Q1 2017 |
| Washington · Wholesale Trade · Under $150K | 7(a) | 3 | P+2.25% | $63K | Q2 2015 |
| Washington · Physician & Dental Offices · $1M – $2M | 504 | 3 | — | $1.4M | Q3 2023 |
| Washington · Heavy & Civil Engineering · $150K – $350K | 7(a) | 3 | P+2.00% | $265K | Q1 2017 |
| Washington · Sporting Goods & Hobby · Under $150K | 7(a) | 3 | P+2.75% | $76K | Q1 2010 |
| Washington · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+0.25% | $258K | Q3 2025 |
| Washington · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+1.75% | $620K | Q4 2016 |
| Oregon · Food & Beverage Stores · $350K – $500K | 7(a) | 2 | P+1.13% | $395K | Q3 2025 |
| Oregon · Personal Care (Salons, Spas) · $150K – $350K | 504 | 2 | — | $212K | Q4 2022 |
| Washington · Auto Dealers & Parts · $500K – $1M | 7(a) | 2 | P+1.63% | $726K | Q3 2021 |
| Washington · Agriculture & Forestry · $500K – $1M | 7(a) | 2 | P+1.81% | $763K | Q4 2010 |
| Washington · Physician & Dental Offices · $150K – $350K | 504 | 2 | — | $259K | Q3 2023 |
| Washington · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+2.63% | $51K | Q4 2012 |
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Real experiences from borrowers who closed SBA loans with Bank of the Pacific.
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