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
145
2010–2026
Total Volume
$137M
Gross loan amounts
States Active
15
With recorded loans
Programs
7(a) & 504
145 total segments
CIBM Bank has a strong focus on 504 loans, with 33% of their total SBA deals in this category, significantly higher than the national average of around 18%. This makes them a suitable choice for borrowers looking for real estate financing.
With an average 7(a) spread of P+2.10%, CIBM Bank offers competitive pricing compared to the national median of P+2.75%. This can lead to lower overall borrowing costs for your loan.
The majority of CIBM Bank's deals are for existing businesses (59%), indicating they are well-equipped to support established companies looking for funding. If you're a startup, you may want to consider how this focus aligns with your needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 48 504 loans, which use fixed SBA debenture rates.
States where CIBM Bank 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
Hotels & Accommodation
Accommodation & Food Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Other Health Practitioners
Health Care & Social Assistance
Real Estate
Real Estate
Wholesale Trade
Wholesale Trade
Social Assistance
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for CIBM Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Hotels & Accommodation · $2M – $5M | 7(a) | 7 | P+2.00% | $3.7M | Q1 2020 |
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.00% | $119K | Q4 2024 |
| Wisconsin · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+1.50% | $276K | Q4 2023 |
| Wisconsin · Manufacturing · $1M – $2M | 504 | 4 | — | $1.6M | Q2 2025 |
| Wisconsin · Manufacturing · $150K – $350K | 7(a) | 4 | P+1.50% | $262K | Q1 2025 |
| Illinois · Auto Repair & Maintenance · $150K – $350K | 504 | 3 | — | $282K | Q3 2023 |
| Illinois · Other Repair & Services · Under $150K | 7(a) | 3 | P+2.00% | $88K | Q4 2023 |
| Wisconsin · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $588K | Q1 2020 |
| Wisconsin · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+2.00% | $613K | Q3 2024 |
| Wisconsin · Real Estate · $150K – $350K | 504 | 2 | — | $246K | Q2 2021 |
| Illinois · Other Professional Services · $2M – $5M | 504 | 2 | — | $2.7M | Q2 2023 |
| Wisconsin · Manufacturing · Under $150K | 7(a) | 2 | P+1.75% | $43K | Q1 2022 |
| Illinois · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.13% | $107K | Q4 2025 |
| Illinois · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+2.38% | $292K | Q2 2023 |
| Illinois · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.25% | $95K | Q2 2025 |
| Wisconsin · Miscellaneous Retail · $150K – $350K | 7(a) | 2 | P+2.13% | $283K | Q1 2025 |
| Illinois · Auto Repair & Maintenance · $500K – $1M | 7(a) | 2 | P+2.63% | $597K | Q1 2021 |
| Wisconsin · Other Health Practitioners · $2M – $5M | 7(a) | 2 | P+1.63% | $2.3M | Q4 2024 |
| Illinois · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $258K | Q2 2015 |
| Wisconsin · Nursing & Residential Care · $2M – $5M | 7(a) | 2 | P+1.25% | $4.1M | Q2 2024 |
| Illinois · Social Assistance · $500K – $1M | 504 | 2 | — | $757K | Q3 2021 |
| Illinois · Manufacturing · $150K – $350K | 504 | 2 | — | $254K | Q4 2015 |
| Illinois · Wholesale Trade · $500K – $1M | 7(a) | 1 | P+1.75% | $868K | Q4 2022 |
| Illinois · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+1.25% | $329K | Q3 2022 |
| Illinois · Arts, Entertainment & Recreation · $2M – $5M | 7(a) | 1 | P+2.50% | $2.3M | Q2 2019 |
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Real experiences from borrowers who closed SBA loans with CIBM Bank.
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