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
325
2011–2026
Total Volume
$436M
Gross loan amounts
States Active
15
With recorded loans
Programs
7(a) & 504
325 total segments
Cross River Bank has a strong focus on existing businesses, with 83% of their deals serving this purpose. This makes them a solid choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+2.01%, Cross River Bank offers competitive pricing compared to the national median of P+2.75%. This could result in lower interest costs for borrowers.
Cross River Bank is experiencing significant growth, with a 53% year-over-year increase in deals. This trend suggests they are actively expanding their lending capacity, which may 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 57 504 loans, which use fixed SBA debenture rates.
States where Cross River Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Wholesale Trade
Wholesale Trade
Miscellaneous Retail
Retail Trade
Food & Beverage Stores
Retail Trade
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Specialty Trade Contractors
Construction
Management & IT Consulting
Professional Services
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for Cross River Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Wholesale Trade · $500K – $1M | 7(a) | 9 | P+1.75% | $793K | Q3 2025 |
| New York · Miscellaneous Retail · $500K – $1M | 7(a) | 8 | P+1.63% | $834K | Q2 2023 |
| New York · Wholesale Trade · $2M – $5M | 7(a) | 7 | P+2.75% | $2.6M | Q3 2023 |
| New York · Miscellaneous Retail · $150K – $350K | 7(a) | 6 | P+2.13% | $350K | Q4 2021 |
| New York · Food & Beverage Stores · $1M – $2M | 7(a) | 6 | P+1.63% | $1.4M | Q2 2022 |
| New York · Wholesale Trade · $150K – $350K | 7(a) | 6 | P+2.25% | $288K | Q3 2025 |
| New York · Wholesale Trade · $1M – $2M | 7(a) | 6 | P+1.75% | $1.3M | Q3 2023 |
| New Jersey · Wholesale Trade · $2M – $5M | 7(a) | 5 | P+1.50% | $3.3M | Q4 2025 |
| New York · Retail Trade · $150K – $350K | 7(a) | 5 | P+2.25% | $325K | Q2 2025 |
| New York · Wholesale Trade · $350K – $500K | 7(a) | 5 | P+2.00% | $455K | Q1 2024 |
| New York · Wholesale Trade · Under $150K | 7(a) | 5 | P+2.25% | $143K | Q2 2016 |
| New York · Food & Beverage Stores · $350K – $500K | 7(a) | 4 | P+1.75% | $443K | Q1 2019 |
| New York · Real Estate · $150K – $350K | 7(a) | 4 | P+2.13% | $344K | Q4 2022 |
| New York · Food & Beverage Stores · $150K – $350K | 7(a) | 4 | P+1.88% | $313K | Q2 2022 |
| New Jersey · Miscellaneous Retail · $150K – $350K | 7(a) | 4 | P+2.13% | $304K | Q1 2021 |
| Florida · Specialty Trade Contractors · $2M – $5M | 7(a) | 4 | P+2.00% | $4.7M | Q4 2023 |
| New Jersey · Miscellaneous Retail · $1M – $2M | 504 | 4 | — | $1.4M | Q3 2022 |
| New Jersey · Wholesale Trade · $2M – $5M | 504 | 4 | — | $4.1M | Q2 2024 |
| New Jersey · Specialty Trade Contractors · $500K – $1M | 7(a) | 3 | P+3.00% | $774K | Q3 2025 |
| New York · General Merchandise · $500K – $1M | 7(a) | 3 | P+1.75% | $652K | Q3 2017 |
| New Jersey · Wholesale Trade · $500K – $1M | 504 | 3 | — | $675K | Q3 2023 |
| New York · Food & Beverage Stores · $500K – $1M | 7(a) | 3 | P+2.00% | $915K | Q1 2020 |
| New Jersey · Manufacturing · $2M – $5M | 7(a) | 3 | P+2.00% | $4.4M | Q1 2025 |
| New York · Specialty Trade Contractors · $500K – $1M | 7(a) | 3 | P+1.75% | $735K | Q3 2021 |
| New York · Retail Trade · $500K – $1M | 7(a) | 3 | P+2.00% | $590K | Q4 2015 |
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