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
169
2010–2025
Total Volume
$91M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
169 total segments
Coulee Bank has a strong focus on existing businesses, with 42% of their deals supporting established companies. This makes them a good fit for borrowers looking to expand or refinance existing operations.
With an average 7(a) spread of P+1.70%, Coulee Bank offers competitive pricing compared to the national median of P+2.75%. This could translate to lower interest costs for borrowers.
Coulee Bank's 16% share of 504 loans indicates a balanced approach to lending, which is slightly below the national average of ~18%. Borrowers interested in real estate or larger projects may find suitable options here, but should consider their specific needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 27 504 loans, which use fixed SBA debenture rates.
States where Coulee 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
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Specialty Trade Contractors
Construction
Laundry & Dry Cleaning
Other Services
Real Estate
Real Estate
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Coulee Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Specialty Trade Contractors · Under $150K | 7(a) | 6 | P+2.38% | $76K | Q2 2022 |
| Minnesota · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+1.63% | $61K | Q3 2021 |
| Minnesota · Manufacturing · $500K – $1M | 7(a) | 5 | P+1.25% | $714K | Q3 2023 |
| Minnesota · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+1.85% | $256K | Q3 2024 |
| Minnesota · Manufacturing · $500K – $1M | 504 | 4 | — | $629K | Q2 2020 |
| Minnesota · Real Estate · $500K – $1M | 7(a) | 4 | P+1.50% | $777K | Q3 2021 |
| Minnesota · Manufacturing · Under $150K | 7(a) | 4 | P+2.00% | $107K | Q1 2024 |
| Minnesota · Manufacturing · $150K – $350K | 7(a) | 4 | P+1.63% | $255K | Q3 2021 |
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.75% | $48K | Q4 2017 |
| Minnesota · Hotels & Accommodation · $2M – $5M | 7(a) | 3 | P+-0.50% | $2.7M | Q3 2021 |
| Minnesota · Retail Trade · Under $150K | 7(a) | 3 | P+2.00% | $77K | Q1 2019 |
| Minnesota · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+1.75% | $753K | Q3 2023 |
| Minnesota · Administrative & Waste Services · $150K – $350K | 7(a) | 3 | P+1.50% | $225K | Q2 2023 |
| Minnesota · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 3 | P+1.25% | $285K | Q3 2023 |
| Wisconsin · Accounting & Tax · Under $150K | 7(a) | 3 | P+2.25% | $50K | Q2 2012 |
| Minnesota · Arts, Entertainment & Recreation · $500K – $1M | 504 | 3 | — | $929K | Q3 2024 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.75% | $60K | Q3 2022 |
| Minnesota · Laundry & Dry Cleaning · $500K – $1M | 7(a) | 3 | P+0.75% | $761K | Q2 2020 |
| Minnesota · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+2.88% | $250K | Q4 2010 |
| Minnesota · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+1.20% | $402K | Q4 2019 |
| Minnesota · Utilities · $150K – $350K | 7(a) | 2 | P+0.88% | $300K | Q1 2023 |
| Minnesota · Other Professional Services · $500K – $1M | 7(a) | 2 | P+0.50% | $550K | Q1 2021 |
| Minnesota · Management & IT Consulting · Under $150K | 7(a) | 2 | P+2.25% | $100K | Q2 2013 |
| Wisconsin · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+1.88% | $423K | Q3 2021 |
| Minnesota · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.00% | $63K | Q2 2019 |
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Real experiences from borrowers who closed SBA loans with Coulee Bank.
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