STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,502
2010–2026
Total Volume
$916M
Gross loan amounts
States Active
23
With recorded loans
Programs
7(a) & 504
1500 total segments
Capital One focuses heavily on existing businesses, with 72% of their SBA deals serving this purpose. If you're looking to acquire or expand an established business, this lender may be a strong fit.
With an average 7(a) spread of P+1.63%, Capital One offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings on your loan costs.
Despite a solid volume of SBA loans, Capital One's growth trend is declining at -17% YoY. This could indicate a tightening of lending standards, making it potentially harder to get approved in the future.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 53 504 loans, which use fixed SBA debenture rates.
Top 15 of 23 states where Capital One, National Association has recorded SBA lending activity.
+ 10 more states
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
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Management & IT Consulting
Professional Services
+ 7 more
All recorded SBA lending activity for Capital One, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Physician & Dental Offices · $500K – $1M | 7(a) | 15 | P+0.90% | $743K | Q3 2021 |
| New York · Wholesale Trade · $150K – $350K | 7(a) | 15 | P+3.00% | $261K | Q3 2023 |
| Texas · Manufacturing · $150K – $350K | 7(a) | 13 | P+2.25% | $266K | Q1 2020 |
| Texas · Specialty Trade Contractors · $150K – $350K | 7(a) | 13 | P+3.00% | $252K | Q2 2024 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 13 | P+1.00% | $463K | Q1 2024 |
| New York · Restaurants & Food Service · $500K – $1M | 7(a) | 12 | P+0.88% | $691K | Q4 2018 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 12 | P+0.16% | $751K | Q4 2025 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 11 | P+1.75% | $281K | Q3 2017 |
| Louisiana · Specialty Trade Contractors · Under $150K | 7(a) | 9 | P+3.50% | $79K | Q4 2015 |
| Texas · Physician & Dental Offices · $150K – $350K | 7(a) | 9 | P+2.25% | $257K | Q1 2017 |
| New York · Restaurants & Food Service · $150K – $350K | 7(a) | 9 | P+2.50% | $255K | Q1 2019 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+3.50% | $93K | Q1 2017 |
| Louisiana · Administrative & Waste Services · Under $150K | 7(a) | 9 | P+6.50% | $46K | Q2 2018 |
| Texas · Manufacturing · $500K – $1M | 7(a) | 8 | P+1.21% | $747K | Q3 2023 |
| Texas · Wholesale Trade · Under $150K | 7(a) | 8 | P+6.50% | $41K | Q1 2015 |
| Louisiana · Manufacturing · $150K – $350K | 7(a) | 8 | P+2.06% | $265K | Q4 2018 |
| Texas · Building Construction · Under $150K | 7(a) | 8 | P+3.50% | $86K | Q2 2019 |
| Texas · Manufacturing · Under $150K | 7(a) | 8 | P+4.88% | $71K | Q3 2019 |
| Louisiana · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+4.88% | $75K | Q4 2017 |
| Texas · Restaurants & Food Service · $1M – $2M | 7(a) | 8 | P+0.10% | $1.5M | Q3 2025 |
| New York · Manufacturing · $150K – $350K | 7(a) | 8 | P+2.60% | $244K | Q1 2023 |
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 8 | P+3.50% | $109K | Q1 2017 |
| Virginia · Management & IT Consulting · $150K – $350K | 7(a) | 8 | P+3.50% | $279K | Q3 2021 |
| New York · Physician & Dental Offices · Under $150K | 7(a) | 8 | P+3.00% | $96K | Q3 2017 |
| Louisiana · Transportation & Warehousing · Under $150K | 7(a) | 8 | P+6.50% | $34K | Q2 2014 |
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Real experiences from borrowers who closed SBA loans with Capital One, National Association.
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