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
352
2010–2026
Total Volume
$250M
Gross loan amounts
States Active
3
With recorded loans
Programs
504
345 total segments
Birmingham Citywide Local Development is a 504-only lender, focusing entirely on real estate and equipment financing, which is ideal for established businesses looking to expand. With 100% of their deals in the 504 program, they cater specifically to borrowers needing long-term financing for acquisitions or improvements.
The average deal size at Birmingham Citywide is $724,678, with a significant portion (99 deals) falling between $150K and $350K. This indicates that they are well-suited for medium-sized projects, making them a good fit for businesses looking to finance acquisitions or expansions in that range.
Despite their strong presence in Alabama with 340 deals, Birmingham Citywide has experienced an 11% decline in deal volume year-over-year. This trend may indicate a tightening of lending criteria, so potential borrowers should be prepared for a more rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 345 504 loans, which use fixed SBA debenture rates.
States where Birmingham Citywide Local Deve 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
Physician & Dental Offices
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Auto Repair & Maintenance
Other Services
Wholesale Trade
Wholesale Trade
Hotels & Accommodation
Accommodation & Food Services
Other Repair & Services
Other Services
+ 7 more
All recorded SBA lending activity for Birmingham Citywide Local Deve, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Alabama · Restaurants & Food Service · $150K – $350K | 504 | 16 | — | $254K | Q2 2023 |
| Alabama · Restaurants & Food Service · $500K – $1M | 504 | 15 | — | $709K | Q4 2024 |
| Alabama · Manufacturing · $500K – $1M | 504 | 11 | — | $734K | Q3 2024 |
| Alabama · Manufacturing · $1M – $2M | 504 | 9 | — | $1.2M | Q3 2024 |
| Alabama · Manufacturing · $150K – $350K | 504 | 8 | — | $238K | Q3 2022 |
| Alabama · Wholesale Trade · $150K – $350K | 504 | 8 | — | $275K | Q2 2021 |
| Alabama · Arts, Entertainment & Recreation · $500K – $1M | 504 | 8 | — | $683K | Q3 2025 |
| Alabama · Restaurants & Food Service · $1M – $2M | 504 | 8 | — | $1.3M | Q1 2022 |
| Alabama · Other Repair & Services · $150K – $350K | 504 | 7 | — | $226K | Q3 2020 |
| Alabama · Physician & Dental Offices · $500K – $1M | 504 | 7 | — | $640K | Q3 2021 |
| Alabama · Physician & Dental Offices · $350K – $500K | 504 | 7 | — | $441K | Q1 2021 |
| Alabama · Manufacturing · Under $150K | 504 | 7 | — | $104K | Q4 2015 |
| Alabama · Hotels & Accommodation · $2M – $5M | 504 | 6 | — | $3.2M | Q1 2025 |
| Alabama · Engineering & Architecture · $150K – $350K | 504 | 6 | — | $286K | Q3 2021 |
| Alabama · Auto Repair & Maintenance · $500K – $1M | 504 | 6 | — | $762K | Q2 2018 |
| Alabama · Gas Stations · $350K – $500K | 504 | 5 | — | $435K | Q3 2018 |
| Alabama · Restaurants & Food Service · $350K – $500K | 504 | 5 | — | $439K | Q1 2023 |
| Alabama · Other Health Practitioners · $500K – $1M | 504 | 5 | — | $744K | Q2 2023 |
| Alabama · Hotels & Accommodation · $1M – $2M | 504 | 5 | — | $1.3M | Q2 2025 |
| Alabama · Retail Trade · $500K – $1M | 504 | 5 | — | $590K | Q2 2018 |
| Alabama · Physician & Dental Offices · $2M – $5M | 504 | 4 | — | $2.8M | Q1 2023 |
| Alabama · Real Estate · $150K – $350K | 504 | 4 | — | $253K | Q2 2021 |
| Alabama · Physician & Dental Offices · $150K – $350K | 504 | 4 | — | $292K | Q4 2018 |
| Alabama · Physician & Dental Offices · $1M – $2M | 504 | 4 | — | $1.5M | Q3 2018 |
| Alabama · Arts, Entertainment & Recreation · $1M – $2M | 504 | 4 | — | $1.2M | Q1 2023 |
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