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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
81
2010–2025
Total Volume
$36M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
81 total segments
Most active in Washington (100% of deals) and focuses heavily on restaurants & food service (42% of deals).
Restaurants & Food Service makes up 42% of Commencement Bank's deals — 3.0x the national average. This is a clear specialist, not a generalist who happens to do some restaurants & food service lending.
81 SBA loans worth $35.9M since FY2010, though deal volume has declined 50% from the prior year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 26 504 loans, which use fixed SBA debenture rates.
States where Commencement Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
General Merchandise
Retail Trade
Other Professional Services
Professional Services
Other Repair & Services
Other Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Commencement Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Washington · Restaurants & Food Service · $150K – $350K | 7(a) | 14 | P+2.75% | $256K | Q3 2021 |
| Washington · Restaurants & Food Service · $350K – $500K | 7(a) | 7 | P+2.75% | $428K | Q2 2014 |
| Washington · Restaurants & Food Service · $500K – $1M | 7(a) | 4 | P+2.38% | $643K | Q2 2023 |
| Washington · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.75% | $92K | Q2 2016 |
| Washington · Restaurants & Food Service · $150K – $350K | 504 | 3 | — | $207K | Q2 2021 |
| Washington · Other Professional Services · Under $150K | 7(a) | 2 | P+1.50% | $150K | Q3 2015 |
| Washington · Social Assistance · $1M – $2M | 504 | 2 | — | $1.2M | Q4 2020 |
| Washington · General Merchandise · $150K – $350K | 504 | 2 | — | $234K | Q4 2013 |
| Washington · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.13% | $234K | Q1 2017 |
| Washington · Manufacturing · $500K – $1M | 504 | 2 | — | $532K | Q4 2016 |
| Washington · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.25% | $873K | Q1 2020 |
| Washington · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+2.72% | $262K | Q4 2014 |
| Washington · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $847K | Q3 2024 |
| Washington · Wholesale Trade · $500K – $1M | 7(a) | 2 | P+2.27% | $785K | Q1 2013 |
| Washington · Other Repair & Services · Under $150K | 7(a) | 1 | P+2.67% | $59K | Q4 2013 |
| Washington · Specialty Trade Contractors · $150K – $350K | 7(a) | 1 | P+1.50% | $300K | Q1 2016 |
| Washington · Retail Trade · Under $150K | 7(a) | 1 | P+2.25% | $150K | Q3 2014 |
| Washington · Manufacturing · $1M – $2M | 504 | 1 | — | $1.2M | Q2 2020 |
| Washington · Finance & Insurance · $500K – $1M | 504 | 1 | — | $599K | Q3 2022 |
| Washington · Other Health Practitioners · Under $150K | 504 | 1 | — | $82K | Q2 2015 |
| Washington · Other Repair & Services · $350K – $500K | 504 | 1 | — | $381K | Q3 2013 |
| Washington · Restaurants & Food Service · $350K – $500K | 504 | 1 | — | $357K | Q1 2018 |
| Washington · Physician & Dental Offices · $150K – $350K | 504 | 1 | — | $273K | Q2 2010 |
| Washington · Other Repair & Services · Under $150K | 504 | 1 | — | $76K | Q4 2013 |
| Washington · Auto Repair & Maintenance · $350K – $500K | 504 | 1 | — | $363K | Q4 2024 |
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 Commencement Bank.
No reviews yet. Be the first to review Commencement Bank.