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
83
2010–2026
Total Volume
$37M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
83 total segments
Most active in Florida (88% of deals) and focuses heavily on auto repair & maintenance (12% of deals).
With a median 7(a) spread of P + 2.75%, CAPITAL CITY BANK prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
Auto Repair & Maintenance makes up 12% of CAPITAL CITY BANK's deals — 3.1x the national average. This is a clear specialist, not a generalist who happens to do some auto repair & maintenance lending.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 82 504 loans, which use fixed SBA debenture rates.
States where CAPITAL CITY BANK has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Auto Repair & Maintenance
Other Services
Other Health Practitioners
Health Care & Social Assistance
Auto Dealers & Parts
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Real Estate
Real Estate
Manufacturing
Manufacturing
Physician & Dental Offices
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for CAPITAL CITY BANK, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Auto Repair & Maintenance · $150K – $350K | 504 | 5 | — | $259K | Q1 2022 |
| Florida · Other Health Practitioners · $150K – $350K | 504 | 4 | — | $219K | Q2 2025 |
| Florida · Auto Dealers & Parts · $500K – $1M | 504 | 4 | — | $654K | Q2 2024 |
| Florida · Auto Repair & Maintenance · Under $150K | 504 | 3 | — | $109K | Q3 2020 |
| Florida · Sporting Goods & Hobby · $150K – $350K | 504 | 2 | — | $203K | Q3 2021 |
| Florida · Other Professional Services · $150K – $350K | 504 | 2 | — | $286K | Q1 2023 |
| Florida · Physician & Dental Offices · $150K – $350K | 504 | 2 | — | $180K | Q3 2023 |
| Florida · Restaurants & Food Service · $150K – $350K | 504 | 2 | — | $220K | Q2 2023 |
| Florida · Wholesale Trade · $500K – $1M | 504 | 2 | — | $820K | Q1 2025 |
| Florida · Other Health Practitioners · $350K – $500K | 504 | 2 | — | $454K | Q2 2025 |
| Florida · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $755K | Q4 2022 |
| Florida · Social Assistance · $150K – $350K | 504 | 2 | — | $169K | Q2 2013 |
| Florida · Real Estate · $500K – $1M | 504 | 1 | — | $569K | Q3 2020 |
| Florida · Auto Dealers & Parts · $1M – $2M | 504 | 1 | — | $1.8M | Q3 2021 |
| Florida · Other Health Practitioners · Under $150K | 504 | 1 | — | $102K | Q2 2011 |
| Florida · Building Construction · Under $150K | 504 | 1 | — | $92K | Q4 2009 |
| Florida · Specialty Trade Contractors · Under $150K | 504 | 1 | — | $129K | Q2 2024 |
| Georgia · Food & Beverage Stores · $1M – $2M | 504 | 1 | — | $1.2M | Q2 2023 |
| Florida · Manufacturing · Under $150K | 504 | 1 | — | $77K | Q1 2020 |
| Florida · Education · $500K – $1M | 504 | 1 | — | $635K | Q4 2025 |
| Georgia · Manufacturing · $150K – $350K | 504 | 1 | — | $284K | Q1 2011 |
| Florida · Auto Repair & Maintenance · $500K – $1M | 504 | 1 | — | $967K | Q4 2021 |
| Florida · Hotels & Accommodation · $500K – $1M | 504 | 1 | — | $753K | Q1 2023 |
| Florida · Restaurants & Food Service · $350K – $500K | 504 | 1 | — | $463K | Q3 2022 |
| Florida · Auto Dealers & Parts · $350K – $500K | 504 | 1 | — | $424K | Q1 2022 |
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Real experiences from borrowers who closed SBA loans with CAPITAL CITY BANK.
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