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
261
2010–2026
Total Volume
$268M
Gross loan amounts
States Active
14
With recorded loans
Programs
7(a) & 504
261 total segments
Cogent Bank has a strong focus on existing businesses, with 47% of their deals going to this category. This makes them a good choice if you're looking to finance an established company rather than a startup.
With an average spread of P+2.24%, Cogent Bank offers competitive pricing compared to the national median of P+2.75%. This could mean lower overall costs for your loan.
Cogent Bank's 504 loan activity accounts for 16% of their total deals, which is slightly below the national average. If you're considering a real estate purchase, their 504 offerings might be limited, so ensure your needs align with their strengths.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 41 504 loans, which use fixed SBA debenture rates.
States where Cogent Bank has recorded SBA lending activity.
+ 9 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Food & Beverage Stores
Retail Trade
Specialty Trade Contractors
Construction
Miscellaneous Retail
Retail Trade
Wholesale Trade
Wholesale Trade
Social Assistance
Health Care & Social Assistance
Hotels & Accommodation
Accommodation & Food Services
+ 7 more
All recorded SBA lending activity for Cogent Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 9 | P+2.50% | $712K | Q3 2025 |
| Florida · Restaurants & Food Service · $1M – $2M | 7(a) | 9 | P+2.00% | $1.3M | Q3 2025 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 9 | P+2.75% | $230K | Q4 2025 |
| Florida · Manufacturing · Under $150K | 7(a) | 8 | P+2.75% | $125K | Q4 2013 |
| Florida · Manufacturing · $150K – $350K | 7(a) | 7 | P+2.75% | $264K | Q1 2025 |
| Florida · Manufacturing · $500K – $1M | 7(a) | 5 | P+2.25% | $774K | Q3 2024 |
| Florida · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.75% | $100K | Q4 2011 |
| Georgia · Miscellaneous Retail · $2M – $5M | 7(a) | 4 | P+1.50% | $3.4M | Q1 2025 |
| Georgia · Food & Beverage Stores · $500K – $1M | 7(a) | 4 | P+2.63% | $686K | Q3 2025 |
| Florida · Food & Beverage Stores · $500K – $1M | 7(a) | 3 | P+3.50% | $762K | Q1 2012 |
| Florida · Food & Beverage Stores · $150K – $350K | 7(a) | 3 | P+1.50% | $260K | Q1 2022 |
| Georgia · Gas Stations · $500K – $1M | 7(a) | 3 | P+1.50% | $754K | Q1 2022 |
| Florida · Other Repair & Services · $350K – $500K | 7(a) | 3 | P+2.75% | $458K | Q1 2024 |
| Florida · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.75% | $459K | Q2 2025 |
| Florida · Wholesale Trade · $500K – $1M | 7(a) | 3 | P+2.00% | $763K | Q4 2025 |
| Florida · Specialty Trade Contractors · $350K – $500K | 7(a) | 3 | P+2.00% | $499K | Q1 2024 |
| Florida · Physician & Dental Offices · $500K – $1M | 7(a) | 3 | P+2.50% | $841K | Q3 2025 |
| Florida · Specialty Trade Contractors · $2M – $5M | 7(a) | 3 | P+2.25% | $2.9M | Q1 2025 |
| Florida · Manufacturing · $1M – $2M | 7(a) | 3 | P+1.50% | $1.5M | Q4 2022 |
| South Carolina · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+2.00% | $738K | Q1 2025 |
| Georgia · Gas Stations · $2M – $5M | 7(a) | 2 | P+1.25% | $3.3M | Q3 2021 |
| Florida · Other Repair & Services · $500K – $1M | 7(a) | 2 | P+2.50% | $603K | Q4 2021 |
| Georgia · Miscellaneous Retail · $350K – $500K | 7(a) | 2 | P+2.38% | $403K | Q4 2023 |
| Florida · Manufacturing · $2M – $5M | 7(a) | 2 | P+1.75% | $3.0M | Q1 2025 |
| Florida · Manufacturing · $350K – $500K | 7(a) | 2 | P+2.25% | $411K | Q4 2022 |
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 Cogent Bank.
No reviews yet. Be the first to review Cogent Bank.