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
87
2010–2026
Total Volume
$50M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
87 total segments
Most active in Missouri (100% of deals) and focuses heavily on retail trade (17% of deals).
With a median 7(a) spread of P + 2.53%, Belgrade State Bank prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
Retail Trade makes up 17% of Belgrade State Bank's deals — 9.0x the national average. This is a clear specialist, not a generalist who happens to do some retail trade lending.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 6 504 loans, which use fixed SBA debenture rates.
States where Belgrade State Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Retail Trade
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Manufacturing
Manufacturing
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Belgrade State Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+2.75% | $96K | Q3 2025 |
| Missouri · Retail Trade · $150K – $350K | 7(a) | 5 | P+2.50% | $276K | Q2 2021 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.75% | $66K | Q2 2024 |
| Missouri · Retail Trade · Under $150K | 7(a) | 3 | P+2.75% | $70K | Q4 2017 |
| Missouri · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 3 | P+2.75% | $301K | Q1 2019 |
| Missouri · Nursing & Residential Care · $500K – $1M | 7(a) | 3 | P+2.75% | $819K | Q4 2024 |
| Missouri · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+2.75% | $259K | Q2 2016 |
| Missouri · Retail Trade · $2M – $5M | 7(a) | 3 | P+1.00% | $3.0M | Q3 2017 |
| Missouri · Retail Trade · $500K – $1M | 7(a) | 3 | P+2.50% | $753K | Q2 2018 |
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.75% | $69K | Q1 2024 |
| Missouri · Manufacturing · $150K – $350K | 7(a) | 3 | P+2.75% | $239K | Q3 2018 |
| Missouri · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+2.75% | $127K | Q4 2025 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+2.75% | $134K | Q4 2024 |
| Missouri · Sporting Goods & Hobby · $150K – $350K | 7(a) | 2 | P+2.75% | $273K | Q4 2013 |
| Missouri · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.75% | $99K | Q3 2016 |
| Missouri · Restaurants & Food Service · $2M – $5M | 7(a) | 1 | P+0.95% | $2.0M | Q4 2015 |
| Missouri · Auto Repair & Maintenance · Under $150K | 7(a) | 1 | P+2.75% | $140K | Q3 2016 |
| Missouri · Auto Repair & Maintenance · $150K – $350K | 7(a) | 1 | P+2.75% | $280K | Q3 2017 |
| Missouri · Mining & Oil/Gas · $500K – $1M | 7(a) | 1 | P+2.75% | $670K | Q2 2024 |
| Missouri · Manufacturing · Under $150K | 7(a) | 1 | P+2.75% | $143K | Q4 2022 |
| Missouri · Manufacturing · $1M – $2M | 7(a) | 1 | P+2.00% | $1.1M | Q3 2019 |
| Missouri · Wholesale Trade · $1M – $2M | 7(a) | 1 | P+2.75% | $1.2M | Q4 2023 |
| Missouri · Wholesale Trade · $2M – $5M | 7(a) | 1 | P+2.00% | $2.5M | Q4 2022 |
| Missouri · Wholesale Trade · $500K – $1M | 7(a) | 1 | P+2.75% | $525K | Q3 2014 |
| Missouri · Retail Trade · $350K – $500K | 7(a) | 1 | P+2.75% | $425K | Q2 2017 |
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