GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
13,781
2013–2026
Total Volume
$3.0B
Gross loan amounts
States Active
50
Incl. DC & territories
Programs
7(a) & 504
13781 total segments
BayFirst National Bank primarily serves existing businesses, with 94% of their deals focused on this segment. If you're an established business looking for financing, this lender may be a strong fit for you.
With an average 7(a) spread of P+3.33%, BayFirst's pricing is higher than the national median of P+2.75%. This could mean higher costs for your loan, so it's worth comparing offers from other lenders.
BayFirst has seen a significant decline in their lending activity, with a 50% drop in deals year-over-year. This trend may indicate tighter lending standards, making it potentially more challenging to secure a loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 42 504 loans, which use fixed SBA debenture rates.
Top 15 of 52 states where BayFirst National Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Management & IT Consulting
Professional Services
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Building Construction
Construction
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for BayFirst National Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Wholesale Trade · Under $150K | 7(a) | 127 | P+4.75% | $138K | Q3 2025 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 121 | P+4.75% | $131K | Q3 2025 |
| New York · Wholesale Trade · Under $150K | 7(a) | 110 | P+4.75% | $141K | Q3 2025 |
| Florida · Wholesale Trade · Under $150K | 7(a) | 106 | P+4.75% | $136K | Q2 2025 |
| California · Management & IT Consulting · Under $150K | 7(a) | 103 | P+4.75% | $117K | Q3 2025 |
| Florida · Specialty Trade Contractors · Under $150K | 7(a) | 93 | P+4.75% | $130K | Q3 2025 |
| California · Manufacturing · Under $150K | 7(a) | 84 | P+4.75% | $128K | Q3 2025 |
| New York · Miscellaneous Retail · Under $150K | 7(a) | 75 | P+4.75% | $141K | Q3 2025 |
| California · Miscellaneous Retail · Under $150K | 7(a) | 74 | P+4.75% | $133K | Q2 2025 |
| California · Administrative & Waste Services · Under $150K | 7(a) | 72 | P+4.75% | $117K | Q2 2025 |
| California · Building Construction · Under $150K | 7(a) | 71 | P+4.75% | $135K | Q3 2025 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 70 | P+3.75% | $128K | Q1 2024 |
| California · Real Estate · Under $150K | 7(a) | 68 | P+3.75% | $121K | Q2 2025 |
| Florida · Administrative & Waste Services · Under $150K | 7(a) | 68 | P+4.75% | $118K | Q4 2025 |
| Texas · Specialty Trade Contractors · Under $150K | 7(a) | 67 | P+4.75% | $139K | Q3 2025 |
| California · Other Health Practitioners · Under $150K | 7(a) | 65 | P+4.75% | $122K | Q3 2025 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 64 | P+2.75% | $304K | Q2 2023 |
| California · Transportation & Warehousing · Under $150K | 7(a) | 64 | P+3.75% | $119K | Q1 2024 |
| Texas · Wholesale Trade · Under $150K | 7(a) | 60 | P+4.75% | $134K | Q2 2025 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 59 | P+4.75% | $128K | Q3 2025 |
| Florida · Other Health Practitioners · Under $150K | 7(a) | 59 | P+4.75% | $124K | Q2 2025 |
| Texas · Transportation & Warehousing · Under $150K | 7(a) | 57 | P+3.75% | $135K | Q2 2024 |
| Florida · Manufacturing · Under $150K | 7(a) | 57 | P+4.75% | $125K | Q4 2025 |
| Florida · Management & IT Consulting · Under $150K | 7(a) | 55 | P+3.75% | $127K | Q3 2025 |
| California · Retail Trade · Under $150K | 7(a) | 54 | P+3.63% | $127K | Q3 2025 |
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Real experiences from borrowers who closed SBA loans with BayFirst National Bank.
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