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
369
2010–2026
Total Volume
$363M
Gross loan amounts
States Active
11
With recorded loans
Programs
7(a) & 504
369 total segments
Bank of the West has a strong focus on 504 loans, with 39% of their SBA deals in this category, significantly higher than the national average of about 18%. This makes them a solid choice for borrowers looking for real estate financing.
With an average deal size of approximately $983,587, Bank of the West is well-suited for mid-sized businesses. If you're seeking a loan in the $500K to $1M range, they have completed 102 deals in this band, indicating a strong capability in this area.
The lender has experienced a 33% year-over-year growth in SBA deals, suggesting they are expanding their lending capacity. This trend may increase your chances of approval as they are actively looking to grow their portfolio.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 145 504 loans, which use fixed SBA debenture rates.
States where Bank of the West has recorded SBA lending activity.
+ 6 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Auto Repair & Maintenance
Other Services
Wholesale Trade
Wholesale Trade
Other Professional Services
Professional Services
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Laundry & Dry Cleaning
Other Services
+ 7 more
All recorded SBA lending activity for Bank of the West, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Auto Repair & Maintenance · $1M – $2M | 7(a) | 12 | P+2.00% | $1.5M | Q3 2018 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.75% | $116K | Q3 2025 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 7 | P+2.25% | $716K | Q1 2016 |
| California · Wholesale Trade · $1M – $2M | 504 | 7 | — | $1.4M | Q2 2021 |
| California · Manufacturing · $2M – $5M | 504 | 6 | — | $3.1M | Q1 2017 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.75% | $258K | Q4 2025 |
| California · Manufacturing · $500K – $1M | 504 | 6 | — | $649K | Q2 2019 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 6 | P+2.13% | $461K | Q3 2016 |
| Texas · Restaurants & Food Service · $500K – $1M | 504 | 5 | — | $804K | Q2 2022 |
| Texas · Laundry & Dry Cleaning · $150K – $350K | 7(a) | 5 | P+2.75% | $283K | Q4 2016 |
| Texas · Other Professional Services · $2M – $5M | 7(a) | 5 | P+2.25% | $2.7M | Q1 2018 |
| Texas · Other Professional Services · $1M – $2M | 7(a) | 5 | P+2.25% | $1.7M | Q1 2016 |
| Texas · Manufacturing · $500K – $1M | 7(a) | 5 | P+2.75% | $720K | Q4 2023 |
| Texas · Auto Repair & Maintenance · $2M – $5M | 7(a) | 5 | P+2.38% | $2.8M | Q3 2017 |
| California · Wholesale Trade · $500K – $1M | 504 | 5 | — | $749K | Q3 2020 |
| Texas · Manufacturing · $150K – $350K | 7(a) | 5 | P+2.75% | $229K | Q3 2013 |
| Texas · Laundry & Dry Cleaning · $350K – $500K | 7(a) | 5 | P+2.25% | $476K | Q4 2018 |
| California · Specialty Trade Contractors · $150K – $350K | 504 | 4 | — | $301K | Q4 2020 |
| California · Manufacturing · $350K – $500K | 504 | 4 | — | $463K | Q2 2014 |
| Texas · Restaurants & Food Service · $1M – $2M | 7(a) | 4 | P+2.19% | $1.4M | Q2 2016 |
| Texas · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+2.50% | $115K | Q3 2016 |
| Texas · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+2.75% | $88K | Q4 2016 |
| Texas · Restaurants & Food Service · $2M – $5M | 7(a) | 4 | P+1.69% | $3.7M | Q3 2021 |
| California · Manufacturing · $1M – $2M | 504 | 3 | — | $1.4M | Q4 2020 |
| Texas · Wholesale Trade · $150K – $350K | 7(a) | 3 | P+2.75% | $247K | Q2 2016 |
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