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
145
2010–2025
Total Volume
$60M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
145 total segments
Capitol National Bank has a strong focus on startups, with 64% of their deals going to new businesses. This could be beneficial if you're a first-time borrower looking to launch a venture.
With an average 7(a) spread of P+2.28%, Capitol 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 the loan.
Capitol National Bank has a notable 12% share of 504 loans, which is slightly below the national average of 18%. If you're considering a real estate purchase, their 504 offerings may be limited, so you might want to explore other lenders for more options.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 17 504 loans, which use fixed SBA debenture rates.
States where Capitol National Bank has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Auto Repair & Maintenance
Other Services
Management & IT Consulting
Professional Services
Other Professional Services
Professional Services
Wholesale Trade
Wholesale Trade
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Capitol National Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Restaurants & Food Service · $150K – $350K | 7(a) | 9 | P+2.00% | $252K | Q2 2022 |
| Michigan · Restaurants & Food Service · Under $150K | 7(a) | 7 | P+2.00% | $114K | Q1 2020 |
| Michigan · Manufacturing · Under $150K | 7(a) | 6 | P+2.38% | $95K | Q4 2017 |
| Indiana · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.50% | $267K | Q1 2022 |
| Michigan · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+2.25% | $57K | Q4 2020 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.75% | $338K | Q3 2022 |
| Indiana · Restaurants & Food Service · $350K – $500K | 7(a) | 4 | P+1.50% | $392K | Q1 2023 |
| Michigan · Management & IT Consulting · Under $150K | 7(a) | 3 | P+2.75% | $92K | Q2 2021 |
| Michigan · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.75% | $79K | Q4 2021 |
| Michigan · Manufacturing · $150K – $350K | 7(a) | 3 | P+2.25% | $324K | Q1 2017 |
| Michigan · Administrative & Waste Services · $150K – $350K | 504 | 3 | — | $250K | Q1 2022 |
| Michigan · Administrative & Waste Services · $150K – $350K | 7(a) | 3 | P+2.75% | $294K | Q1 2015 |
| Michigan · Other Professional Services · Under $150K | 7(a) | 3 | P+2.00% | $132K | Q2 2015 |
| Michigan · Accounting & Tax · Under $150K | 7(a) | 2 | P+3.13% | $132K | Q4 2014 |
| Michigan · General Merchandise · Under $150K | 7(a) | 2 | P+2.25% | $100K | Q3 2016 |
| Michigan · Wholesale Trade · $1M – $2M | 7(a) | 2 | P+0.75% | $1.9M | Q3 2024 |
| Michigan · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+2.25% | $628K | Q2 2022 |
| Michigan · Engineering & Architecture · Under $150K | 7(a) | 2 | P+1.13% | $93K | Q1 2025 |
| Michigan · Building Construction · Under $150K | 7(a) | 2 | P+3.63% | $125K | Q4 2015 |
| Michigan · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+3.42% | $107K | Q2 2014 |
| Michigan · Restaurants & Food Service · $150K – $350K | 504 | 2 | — | $171K | Q2 2017 |
| Michigan · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+2.50% | $138K | Q1 2017 |
| Michigan · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+3.75% | $350K | Q1 2015 |
| Michigan · Other Repair & Services · $1M – $2M | 7(a) | 2 | P+1.25% | $1.7M | Q2 2021 |
| Michigan · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.75% | $150K | Q3 2015 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with Capitol National Bank.
No reviews yet. Be the first to review Capitol National Bank.