STRONG
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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
516
2010–2026
Total Volume
$485M
Gross loan amounts
States Active
15
With recorded loans
Programs
7(a) & 504
516 total segments
Cathay Bank has a strong focus on existing businesses, with 78% of their deals serving this purpose. This makes them a solid choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+1.65%, Cathay 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.
Cathay Bank's 24% share of 504 loans indicates a strong capability in financing real estate and larger projects, making them a good option if you're considering a property purchase or significant expansion.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 123 504 loans, which use fixed SBA debenture rates.
States where Cathay Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Wholesale Trade
Wholesale Trade
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
Physician & Dental Offices
Health Care & Social Assistance
Retail Trade
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for Cathay Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Wholesale Trade · Under $150K | 7(a) | 24 | P+2.38% | $130K | Q3 2022 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 14 | P+2.00% | $240K | Q3 2018 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 13 | P+1.75% | $242K | Q2 2024 |
| California · Wholesale Trade · $1M – $2M | 504 | 13 | — | $1.4M | Q2 2024 |
| California · Wholesale Trade · $2M – $5M | 504 | 12 | — | $3.5M | Q3 2022 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 11 | P+1.50% | $1.6M | Q2 2025 |
| California · Manufacturing · $1M – $2M | 504 | 10 | — | $1.4M | Q3 2022 |
| California · Wholesale Trade · $350K – $500K | 7(a) | 10 | P+1.38% | $428K | Q3 2025 |
| California · Wholesale Trade · $2M – $5M | 7(a) | 10 | P+0.69% | $3.1M | Q3 2025 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 9 | P+1.00% | $718K | Q3 2025 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.50% | $115K | Q4 2018 |
| California · Food & Beverage Stores · $350K – $500K | 7(a) | 9 | P+1.50% | $433K | Q2 2024 |
| California · Wholesale Trade · $500K – $1M | 7(a) | 9 | P+1.50% | $789K | Q2 2021 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 8 | P+2.00% | $282K | Q1 2020 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 8 | P+1.38% | $745K | Q3 2025 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 7 | P+1.50% | $433K | Q2 2022 |
| California · Manufacturing · Under $150K | 7(a) | 7 | P+2.00% | $106K | Q1 2021 |
| California · Wholesale Trade · $500K – $1M | 504 | 7 | — | $675K | Q1 2024 |
| New York · Wholesale Trade · Under $150K | 7(a) | 6 | P+2.75% | $56K | Q3 2015 |
| Washington · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.75% | $244K | Q2 2016 |
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 6 | P+0.99% | $3.8M | Q4 2019 |
| California · Manufacturing · $500K – $1M | 504 | 5 | — | $739K | Q3 2023 |
| California · Restaurants & Food Service · $1M – $2M | 504 | 4 | — | $1.4M | Q1 2024 |
| California · Retail Trade · Under $150K | 7(a) | 4 | P+2.38% | $113K | Q3 2016 |
| Texas · Hotels & Accommodation · $1M – $2M | 7(a) | 4 | P+1.75% | $1.5M | Q3 2019 |
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 Cathay Bank.
No reviews yet. Be the first to review Cathay Bank.