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
252
2010–2026
Total Volume
$133M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
252 total segments
Beneficial State Bank has a significant focus on existing businesses, with 80% of their deals in this category. This makes them a strong choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+1.96%, Beneficial State Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Although Beneficial State Bank has a 20% share of 504 loans, their overall deal volume has declined by 23% year-over-year. This trend may indicate a tightening of lending, 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 50 504 loans, which use fixed SBA debenture rates.
States where Beneficial State Bank 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
Real Estate
Real Estate
Retail Trade
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for Beneficial State Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Oregon · Restaurants & Food Service · Under $150K | 7(a) | 17 | P+3.00% | $70K | Q4 2018 |
| Oregon · Manufacturing · Under $150K | 7(a) | 9 | P+3.50% | $80K | Q3 2017 |
| Oregon · Manufacturing · $150K – $350K | 7(a) | 7 | P+2.75% | $286K | Q2 2019 |
| Oregon · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+2.75% | $217K | Q3 2018 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.00% | $211K | Q3 2018 |
| Oregon · Real Estate · $500K – $1M | 7(a) | 5 | P+0.75% | $687K | Q2 2022 |
| Oregon · Wholesale Trade · Under $150K | 7(a) | 5 | P+3.25% | $52K | Q2 2017 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.75% | $66K | Q2 2010 |
| Oregon · Retail Trade · Under $150K | 7(a) | 4 | P+4.75% | $60K | Q3 2025 |
| California · Specialty Trade Contractors · $500K – $1M | 7(a) | 3 | P+1.00% | $625K | Q3 2023 |
| Oregon · Manufacturing · $350K – $500K | 7(a) | 3 | P+1.25% | $432K | Q3 2022 |
| Oregon · Engineering & Architecture · Under $150K | 7(a) | 3 | P+4.25% | $45K | Q3 2016 |
| Oregon · Other Health Practitioners · Under $150K | 7(a) | 3 | P+4.00% | $55K | Q3 2010 |
| California · Legal Services · $150K – $350K | 7(a) | 3 | P+0.75% | $279K | Q3 2022 |
| Oregon · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+3.75% | $82K | Q4 2010 |
| Oregon · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.75% | $100K | Q4 2015 |
| Oregon · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.00% | $399K | Q3 2024 |
| Oregon · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+4.25% | $18K | Q3 2016 |
| California · Transportation & Warehousing · $1M – $2M | 7(a) | 2 | P+1.63% | $1.2M | Q2 2022 |
| Oregon · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+2.88% | $100K | Q4 2017 |
| Oregon · Auto Repair & Maintenance · $350K – $500K | 7(a) | 2 | P+2.25% | $407K | Q3 2012 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+2.75% | $890K | Q4 2009 |
| Oregon · Finance & Insurance · Under $150K | 7(a) | 2 | P+4.50% | $18K | Q4 2010 |
| Washington · Restaurants & Food Service · $2M – $5M | 7(a) | 2 | P+-0.70% | $3.9M | Q3 2024 |
| California · Other Repair & Services · $150K – $350K | 7(a) | 2 | P+2.63% | $255K | Q1 2017 |
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