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
349
2010–2026
Total Volume
$447M
Gross loan amounts
States Active
11
With recorded loans
Programs
7(a) & 504
349 total segments
Embassy National Bank primarily focuses on existing businesses, with 51% of their deals in this category. This makes them a strong choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+1.88%, Embassy National Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Embassy National Bank has a minimal 504 presence, with only 3% of their deals in this category. If you're looking for a 504 loan, you might want to consider other lenders that specialize in this type of financing.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 10 504 loans, which use fixed SBA debenture rates.
States where Embassy National Bank has recorded SBA lending activity.
+ 6 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Gas Stations
Retail Trade
Food & Beverage Stores
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Social Assistance
Health Care & Social Assistance
Physician & Dental Offices
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Embassy National Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Hotels & Accommodation · $1M – $2M | 7(a) | 36 | P+2.00% | $1.4M | Q3 2022 |
| Georgia · Gas Stations · $500K – $1M | 7(a) | 35 | P+2.25% | $726K | Q3 2021 |
| Georgia · Hotels & Accommodation · $2M – $5M | 7(a) | 25 | P+1.50% | $3.0M | Q2 2024 |
| Georgia · Gas Stations · $1M – $2M | 7(a) | 23 | P+1.75% | $1.4M | Q3 2025 |
| Georgia · Hotels & Accommodation · $500K – $1M | 7(a) | 15 | P+2.00% | $767K | Q4 2024 |
| South Carolina · Hotels & Accommodation · $1M – $2M | 7(a) | 9 | P+2.00% | $1.5M | Q4 2019 |
| Georgia · Food & Beverage Stores · $500K – $1M | 7(a) | 7 | P+2.25% | $780K | Q4 2023 |
| Georgia · Hotels & Accommodation · $350K – $500K | 7(a) | 6 | P+1.63% | $436K | Q4 2024 |
| North Carolina · Hotels & Accommodation · $1M – $2M | 7(a) | 6 | P+1.63% | $1.5M | Q2 2022 |
| South Carolina · Hotels & Accommodation · $2M – $5M | 7(a) | 6 | P+1.75% | $2.9M | Q3 2021 |
| Alabama · Hotels & Accommodation · $1M – $2M | 7(a) | 6 | P+2.00% | $1.5M | Q2 2022 |
| Georgia · Gas Stations · $350K – $500K | 7(a) | 6 | P+2.38% | $452K | Q3 2015 |
| Georgia · Food & Beverage Stores · $1M – $2M | 7(a) | 5 | P+1.50% | $1.4M | Q4 2025 |
| Florida · Hotels & Accommodation · $1M – $2M | 7(a) | 4 | P+2.63% | $1.8M | Q2 2014 |
| Alabama · Hotels & Accommodation · $500K – $1M | 7(a) | 4 | P+2.75% | $681K | Q1 2023 |
| Georgia · Gas Stations · $2M – $5M | 7(a) | 4 | P+1.50% | $2.6M | Q2 2025 |
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.00% | $749K | Q3 2021 |
| Georgia · Retail Trade · $1M – $2M | 7(a) | 3 | P+1.25% | $1.4M | Q4 2019 |
| Georgia · Physician & Dental Offices · $150K – $350K | 7(a) | 3 | P+1.50% | $259K | Q1 2024 |
| Georgia · Other Health Practitioners · $500K – $1M | 7(a) | 3 | P+2.00% | $749K | Q2 2021 |
| Florida · Hotels & Accommodation · $2M – $5M | 7(a) | 3 | P+1.25% | $4.9M | Q2 2025 |
| Georgia · Administrative & Waste Services · $350K – $500K | 7(a) | 3 | P+2.25% | $412K | Q1 2019 |
| Florida · Hotels & Accommodation · $500K – $1M | 7(a) | 3 | P+2.75% | $886K | Q3 2015 |
| Georgia · Social Assistance · $500K – $1M | 7(a) | 3 | P+1.50% | $851K | Q3 2020 |
| Georgia · Hotels & Accommodation · $150K – $350K | 7(a) | 3 | P+1.50% | $250K | Q3 2020 |
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