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.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
168
2022–2026
Total Volume
$189M
Gross loan amounts
States Active
29
With recorded loans
Programs
7(a) & 504
168 total segments
Climate First Bank has a strong focus on startups, with 54% of their deals going to new businesses. This could be beneficial if you're looking to launch a new venture.
With an average 7(a) spread of P+2.50%, Climate First 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.
Although Climate First Bank has a minimal 504 presence at 7%, it still offers these loans, which could be useful if you're considering real estate or equipment financing alongside your business needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 11 504 loans, which use fixed SBA debenture rates.
Top 15 of 29 states where Climate First Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Personal Care (Salons, Spas)
Other Services
Manufacturing
Manufacturing
Miscellaneous Retail
Retail Trade
+ 7 more
All recorded SBA lending activity for Climate First Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Specialty Trade Contractors · $2M – $5M | 7(a) | 3 | P+2.75% | $2.9M | Q3 2025 |
| Florida · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+3.00% | $425K | Q2 2025 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.50% | $604K | Q1 2025 |
| Florida · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.75% | $117K | Q3 2025 |
| Florida · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+3.00% | $253K | Q4 2025 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.75% | $821K | Q3 2025 |
| Iowa · Social Assistance · $500K – $1M | 7(a) | 2 | P+1.63% | $731K | Q2 2025 |
| California · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+3.00% | $275K | Q3 2025 |
| Florida · Building Construction · $2M – $5M | 7(a) | 2 | P+2.13% | $3.5M | Q2 2025 |
| Florida · Manufacturing · $1M – $2M | 7(a) | 2 | P+2.88% | $1.2M | Q4 2025 |
| North Carolina · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+2.25% | $665K | Q3 2025 |
| Indiana · Hotels & Accommodation · $1M – $2M | 7(a) | 2 | P+1.50% | $1.6M | Q4 2025 |
| Washington · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 2 | P+2.75% | $1.2M | Q4 2025 |
| Florida · Personal Care (Salons, Spas) · $1M – $2M | 7(a) | 2 | P+2.75% | $1.4M | Q3 2025 |
| Florida · Heavy & Civil Engineering · $500K – $1M | 7(a) | 2 | P+2.50% | $650K | Q2 2025 |
| Florida · Administrative & Waste Services · $1M – $2M | 7(a) | 2 | P+2.25% | $1.5M | Q4 2024 |
| Pennsylvania · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 2 | P+2.88% | $755K | Q3 2025 |
| Florida · Other Professional Services · $500K – $1M | 504 | 2 | — | $710K | Q2 2022 |
| Florida · Administrative & Waste Services · $350K – $500K | 7(a) | 2 | P+2.63% | $414K | Q3 2025 |
| Florida · Manufacturing · $2M – $5M | 7(a) | 2 | P+1.63% | $3.6M | Q1 2025 |
| Florida · Physician & Dental Offices · $500K – $1M | 7(a) | 2 | P+2.75% | $541K | Q3 2025 |
| Nebraska · Personal Care (Salons, Spas) · $500K – $1M | 7(a) | 2 | P+2.75% | $662K | Q4 2025 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+2.75% | $650K | Q4 2025 |
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+2.75% | $565K | Q4 2025 |
| Texas · Arts, Entertainment & Recreation · $2M – $5M | 7(a) | 2 | P+2.50% | $4.9M | Q3 2025 |
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