FAIR
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
102
2019–2025
Total Volume
$17M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a)
102 total segments
This lender focuses heavily on startups, with 62% of their deals going to new businesses. If you're a first-time borrower, this could be a good fit for you.
The average spread for their 7(a) loans is P+4.27%, which is significantly higher than the national median of P+2.75%. Be prepared for higher interest costs.
With a year-over-year decline of 50% in loan volume, this lender may be tightening their lending criteria, making it potentially harder to get approved.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where Economic and Community Development Institute 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
Transportation & Warehousing
Transportation & Warehousing
Food & Beverage Stores
Retail Trade
Social Assistance
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Management & IT Consulting
Professional Services
+ 7 more
All recorded SBA lending activity for Economic and Community Development Institute, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Ohio · Restaurants & Food Service · $150K – $350K | 7(a) | 14 | P+6.00% | $221K | Q2 2024 |
| Ohio · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+4.00% | $108K | Q1 2024 |
| Ohio · Arts, Entertainment & Recreation · Under $150K | 7(a) | 6 | P+6.00% | $121K | Q1 2024 |
| Ohio · Transportation & Warehousing · Under $150K | 7(a) | 6 | P+5.38% | $126K | Q4 2022 |
| Ohio · Manufacturing · $150K – $350K | 7(a) | 6 | P+4.50% | $226K | Q2 2023 |
| Ohio · Food & Beverage Stores · $150K – $350K | 7(a) | 5 | P+4.00% | $247K | Q3 2025 |
| Ohio · Manufacturing · Under $150K | 7(a) | 5 | P+5.50% | $123K | Q4 2024 |
| Ohio · Social Assistance · $150K – $350K | 7(a) | 4 | P+3.75% | $248K | Q2 2024 |
| Ohio · Management & IT Consulting · $150K – $350K | 7(a) | 3 | P+6.00% | $189K | Q2 2021 |
| Ohio · Other Health Practitioners · Under $150K | 7(a) | 3 | P+6.00% | $79K | Q2 2022 |
| Ohio · Retail Trade · Under $150K | 7(a) | 3 | P+6.00% | $75K | Q4 2020 |
| Ohio · Wholesale Trade · Under $150K | 7(a) | 3 | P+3.75% | $106K | Q3 2024 |
| Ohio · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+6.00% | $95K | Q3 2020 |
| Ohio · Education · $150K – $350K | 7(a) | 2 | P+1.25% | $239K | Q3 2024 |
| Ohio · General Merchandise · Under $150K | 7(a) | 2 | P+4.13% | $106K | Q3 2021 |
| Ohio · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+5.00% | $232K | Q3 2022 |
| Ohio · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+6.00% | $227K | Q1 2021 |
| Ohio · Miscellaneous Retail · $150K – $350K | 7(a) | 2 | P+3.00% | $318K | Q2 2024 |
| Ohio · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+1.25% | $249K | Q1 2024 |
| Ohio · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+4.38% | $84K | Q3 2025 |
| Ohio · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+3.75% | $300K | Q3 2023 |
| Ohio · Real Estate · Under $150K | 7(a) | 1 | P+6.00% | $93K | Q1 2021 |
| Ohio · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+5.75% | $250K | Q1 2022 |
| Ohio · Engineering & Architecture · Under $150K | 7(a) | 1 | P+2.75% | $136K | Q1 2020 |
| Ohio · Legal Services · Under $150K | 7(a) | 1 | P+3.00% | $47K | Q4 2019 |
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Real experiences from borrowers who closed SBA loans with Economic and Community Development Institute.
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