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
2,139
2010–2026
Total Volume
$837M
Gross loan amounts
States Active
17
With recorded loans
Programs
7(a) & 504
2136 total segments
Citibank has a significant focus on existing businesses, with 97% of their deals going to established companies. This makes them a strong choice if you're looking to acquire an existing business rather than starting from scratch.
With an average 7(a) spread of P+2.08%, Citibank 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.
Citibank's growth trend shows a decline of 35% year-over-year in deal volume, which may indicate a tightening of lending criteria. If you're considering applying, be prepared to demonstrate strong financials to improve your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 233 504 loans, which use fixed SBA debenture rates.
Top 15 of 17 states where Citibank, N.A. has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Building Construction
Construction
Restaurants & Food Service
Accommodation & Food Services
Physician & Dental Offices
Health Care & Social Assistance
Manufacturing
Manufacturing
Management & IT Consulting
Professional Services
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for Citibank, N.A., grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 148 | P+2.75% | $53K | Q4 2025 |
| New York · Building Construction · Under $150K | 7(a) | 117 | P+2.75% | $50K | Q3 2025 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 94 | P+2.75% | $52K | Q3 2025 |
| New York · Restaurants & Food Service · Under $150K | 7(a) | 71 | P+3.75% | $57K | Q4 2025 |
| California · Building Construction · Under $150K | 7(a) | 66 | P+2.63% | $53K | Q4 2024 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 42 | P+3.25% | $66K | Q2 2024 |
| New York · Personal Care (Salons, Spas) · Under $150K | 7(a) | 30 | P+3.75% | $39K | Q3 2025 |
| Florida · Wholesale Trade · $2M – $5M | 7(a) | 30 | P+0.25% | $4.1M | Q3 2024 |
| Illinois · Specialty Trade Contractors · Under $150K | 7(a) | 25 | P+3.00% | $50K | Q2 2025 |
| New York · Wholesale Trade · Under $150K | 7(a) | 25 | P+3.25% | $57K | Q3 2025 |
| California · Wholesale Trade · Under $150K | 7(a) | 24 | P+2.00% | $59K | Q3 2018 |
| California · Transportation & Warehousing · Under $150K | 7(a) | 24 | P+2.25% | $42K | Q4 2024 |
| Florida · Specialty Trade Contractors · Under $150K | 7(a) | 23 | P+3.25% | $54K | Q4 2023 |
| New York · Physician & Dental Offices · Under $150K | 7(a) | 20 | P+2.75% | $52K | Q3 2015 |
| New York · Transportation & Warehousing · Under $150K | 7(a) | 18 | P+2.88% | $66K | Q3 2024 |
| New York · Arts, Entertainment & Recreation · Under $150K | 7(a) | 17 | P+3.00% | $51K | Q3 2018 |
| California · Manufacturing · Under $150K | 7(a) | 17 | P+2.75% | $59K | Q4 2019 |
| California · Auto Repair & Maintenance · Under $150K | 7(a) | 16 | P+3.38% | $32K | Q3 2018 |
| New York · Management & IT Consulting · Under $150K | 7(a) | 16 | P+4.25% | $27K | Q3 2016 |
| California · Administrative & Waste Services · Under $150K | 7(a) | 15 | P+2.75% | $60K | Q2 2025 |
| California · Management & IT Consulting · Under $150K | 7(a) | 15 | P+3.75% | $39K | Q2 2018 |
| New York · Administrative & Waste Services · Under $150K | 7(a) | 15 | P+4.50% | $43K | Q4 2017 |
| New York · Retail Trade · Under $150K | 7(a) | 15 | P+2.00% | $67K | Q3 2022 |
| California · Other Health Practitioners · Under $150K | 7(a) | 14 | P+2.63% | $65K | Q4 2018 |
| Florida · Building Construction · Under $150K | 7(a) | 14 | P+3.25% | $55K | Q4 2025 |
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 Citibank, N.A..
No reviews yet. Be the first to review Citibank, N.A..
Listen to acquisition entrepreneurs share their experience
Matched to real SBA lending records. LenderHawk is not affiliated with or endorsed by these podcasts.