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
511
2010–2026
Total Volume
$318M
Gross loan amounts
States Active
10
With recorded loans
Programs
7(a) & 504
511 total segments
Bell Bank has a strong presence in the 504 loan market, with 30% of their SBA deals being 504 loans. This is significantly higher than the national average of about 18%, making them a solid choice for real estate-heavy projects.
With an average 7(a) spread of P+1.69%, Bell Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to substantial savings over the life of your loan.
The majority of Bell Bank's deals (56%) are for existing businesses, which indicates they are well-suited for established companies looking to expand or refinance. If you're a startup, you might 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 151 504 loans, which use fixed SBA debenture rates.
States where Bell Bank has recorded SBA lending activity.
+ 5 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Retail Trade
Retail Trade
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Physician & Dental Offices
Health Care & Social Assistance
Management & IT Consulting
Professional Services
+ 7 more
All recorded SBA lending activity for Bell Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 14 | P+2.27% | $92K | Q1 2025 |
| Minnesota · Manufacturing · $150K – $350K | 7(a) | 12 | P+2.13% | $254K | Q4 2025 |
| Minnesota · Wholesale Trade · Under $150K | 7(a) | 9 | P+2.25% | $94K | Q1 2019 |
| Minnesota · Manufacturing · Under $150K | 7(a) | 8 | P+2.00% | $97K | Q1 2025 |
| North Dakota · Manufacturing · Under $150K | 7(a) | 8 | P+2.25% | $99K | Q4 2022 |
| North Dakota · Personal Care (Salons, Spas) · Under $150K | 7(a) | 8 | P+2.25% | $58K | Q2 2024 |
| North Dakota · Retail Trade · Under $150K | 7(a) | 6 | P+2.00% | $82K | Q1 2017 |
| Arizona · Specialty Trade Contractors · $350K – $500K | 7(a) | 5 | P+1.00% | $481K | Q2 2024 |
| Minnesota · Management & IT Consulting · Under $150K | 7(a) | 5 | P+3.00% | $53K | Q4 2010 |
| Minnesota · Finance & Insurance · Under $150K | 7(a) | 4 | P+1.88% | $63K | Q2 2016 |
| Arizona · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+1.25% | $288K | Q2 2024 |
| Minnesota · Manufacturing · $2M – $5M | 7(a) | 4 | P+0.88% | $2.3M | Q4 2024 |
| Minnesota · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+2.25% | $106K | Q2 2021 |
| North Dakota · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+1.88% | $80K | Q2 2025 |
| North Dakota · Restaurants & Food Service · $500K – $1M | 504 | 4 | — | $649K | Q2 2014 |
| Arizona · Manufacturing · $150K – $350K | 7(a) | 4 | P+0.63% | $298K | Q3 2025 |
| Minnesota · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.88% | $90K | Q2 2024 |
| Minnesota · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 4 | P+2.13% | $214K | Q4 2025 |
| North Dakota · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+2.00% | $289K | Q1 2025 |
| Minnesota · Management & IT Consulting · $150K – $350K | 7(a) | 3 | P+2.00% | $233K | Q2 2025 |
| Minnesota · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.50% | $44K | Q4 2025 |
| Arizona · Manufacturing · $2M – $5M | 7(a) | 3 | P+0.25% | $3.6M | Q3 2025 |
| North Dakota · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.00% | $109K | Q1 2021 |
| North Dakota · General Merchandise · Under $150K | 7(a) | 3 | P+1.50% | $93K | Q3 2019 |
| North Dakota · Other Health Practitioners · $500K – $1M | 504 | 3 | — | $774K | Q3 2022 |
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