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
456
2010–2026
Total Volume
$227M
Gross loan amounts
States Active
8
With recorded loans
Programs
7(a) & 504
456 total segments
BNC National Bank has a strong focus on existing businesses, with 67% of their deals supporting established companies. This makes them a good option for borrowers looking to expand or refinance an existing business.
With an average 7(a) spread of P+2.39%, BNC National 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.
BNC National Bank's deal volume has declined by 9% year-over-year, indicating a potential tightening in lending. Borrowers may face more scrutiny or stricter terms as the bank adjusts to this trend.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 79 504 loans, which use fixed SBA debenture rates.
States where BNC National Bank has recorded SBA lending activity.
+ 3 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Real Estate
Real Estate
Physician & Dental Offices
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for BNC National Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Arizona · Restaurants & Food Service · $150K – $350K | 7(a) | 14 | P+2.75% | $246K | Q4 2024 |
| Arizona · Restaurants & Food Service · Under $150K | 7(a) | 12 | P+2.75% | $92K | Q4 2020 |
| Arizona · Manufacturing · $150K – $350K | 7(a) | 11 | P+2.75% | $250K | Q2 2019 |
| Arizona · Restaurants & Food Service · $500K – $1M | 7(a) | 10 | P+2.75% | $638K | Q3 2024 |
| Arizona · Other Health Practitioners · Under $150K | 7(a) | 9 | P+2.75% | $107K | Q1 2022 |
| Arizona · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 9 | P+2.75% | $243K | Q4 2019 |
| Arizona · Other Health Practitioners · $150K – $350K | 7(a) | 8 | P+2.75% | $270K | Q4 2020 |
| Arizona · Other Professional Services · $150K – $350K | 7(a) | 7 | P+2.75% | $249K | Q2 2020 |
| Arizona · Administrative & Waste Services · $150K – $350K | 7(a) | 7 | P+2.75% | $265K | Q3 2022 |
| Arizona · Manufacturing · $500K – $1M | 7(a) | 7 | P+2.50% | $627K | Q1 2023 |
| Arizona · Nursing & Residential Care · $500K – $1M | 7(a) | 7 | P+2.00% | $782K | Q3 2024 |
| Arizona · Manufacturing · Under $150K | 7(a) | 7 | P+2.75% | $99K | Q1 2020 |
| Arizona · Physician & Dental Offices · Under $150K | 7(a) | 7 | P+2.25% | $85K | Q3 2021 |
| Arizona · Administrative & Waste Services · Under $150K | 7(a) | 7 | P+2.75% | $102K | Q3 2017 |
| Arizona · Finance & Insurance · Under $150K | 7(a) | 6 | P+2.63% | $130K | Q3 2025 |
| Arizona · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 6 | P+2.38% | $642K | Q4 2021 |
| Arizona · Real Estate · $150K – $350K | 7(a) | 6 | P+2.75% | $223K | Q3 2014 |
| Arizona · Real Estate · Under $150K | 7(a) | 6 | P+2.75% | $76K | Q4 2015 |
| Arizona · Accounting & Tax · Under $150K | 7(a) | 6 | P+2.50% | $78K | Q3 2024 |
| Arizona · Transportation & Warehousing · Under $150K | 7(a) | 6 | P+2.50% | $70K | Q3 2025 |
| Arizona · Restaurants & Food Service · $350K – $500K | 7(a) | 5 | P+2.75% | $409K | Q2 2024 |
| Arizona · Arts, Entertainment & Recreation · Under $150K | 7(a) | 5 | P+2.75% | $103K | Q3 2017 |
| Arizona · Other Repair & Services · $150K – $350K | 7(a) | 4 | P+2.75% | $240K | Q1 2021 |
| Arizona · Physician & Dental Offices · $500K – $1M | 7(a) | 4 | P+2.63% | $753K | Q2 2023 |
| Arizona · Sporting Goods & Hobby · Under $150K | 7(a) | 4 | P+2.75% | $135K | Q1 2015 |
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Real experiences from borrowers who closed SBA loans with BNC National Bank.
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