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
151
2011–2026
Total Volume
$107M
Gross loan amounts
States Active
13
With recorded loans
Programs
7(a) & 504
151 total segments
Encore Bank has a strong focus on startups, with 55% of their deals going to new businesses. This could be beneficial if you're a first-time borrower looking to launch your venture.
With an average 7(a) spread of P+2.15%, Encore Bank offers competitive pricing compared to the national median of P+2.75%. This can save you money on interest over the life of your loan.
Encore Bank's 504 share is 13%, which is slightly below the national average of ~18%. If you are considering a real estate purchase, you might want to explore other lenders with a stronger focus on 504 loans.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 20 504 loans, which use fixed SBA debenture rates.
States where Encore Bank has recorded SBA lending activity.
+ 8 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Management & IT Consulting
Professional Services
Specialty Trade Contractors
Construction
Miscellaneous Retail
Retail Trade
Personal Care (Salons, Spas)
Other Services
Manufacturing
Manufacturing
+ 7 more
All recorded SBA lending activity for Encore Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Administrative & Waste Services · $150K – $350K | 7(a) | 4 | P+2.13% | $239K | Q4 2024 |
| Texas · Transportation & Warehousing · $500K – $1M | 7(a) | 3 | P+2.00% | $819K | Q2 2022 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.25% | $674K | Q3 2024 |
| Texas · Management & IT Consulting · Under $150K | 7(a) | 3 | P+2.00% | $92K | Q4 2025 |
| Texas · Manufacturing · $500K – $1M | 7(a) | 3 | P+2.25% | $625K | Q2 2023 |
| Florida · Auto Repair & Maintenance · $1M – $2M | 504 | 3 | — | $1.4M | Q1 2018 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.75% | $273K | Q1 2022 |
| Arkansas · Personal Care (Salons, Spas) · $500K – $1M | 7(a) | 2 | P+2.38% | $642K | Q3 2025 |
| Arkansas · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.38% | $479K | Q2 2023 |
| Texas · Auto Repair & Maintenance · $1M – $2M | 7(a) | 2 | P+2.13% | $1.6M | Q4 2024 |
| Tennessee · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.00% | $75K | Q3 2024 |
| Florida · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+2.00% | $253K | Q3 2025 |
| Arkansas · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.63% | $88K | Q3 2023 |
| Texas · Miscellaneous Retail · $350K – $500K | 7(a) | 2 | P+1.75% | $450K | Q3 2023 |
| Texas · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+2.00% | $20K | Q3 2023 |
| Texas · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.00% | $276K | Q2 2022 |
| Texas · Other Professional Services · Under $150K | 7(a) | 2 | P+3.13% | $125K | Q1 2023 |
| Michigan · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.63% | $420K | Q1 2024 |
| Texas · Other Professional Services · $2M – $5M | 7(a) | 2 | P+2.50% | $2.3M | Q1 2022 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 2 | P+1.75% | $135K | Q4 2024 |
| Texas · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.13% | $266K | Q4 2025 |
| Texas · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+2.75% | $258K | Q3 2021 |
| Texas · Other Health Practitioners · $1M – $2M | 7(a) | 2 | P+2.75% | $1.1M | Q2 2025 |
| Florida · Miscellaneous Retail · Under $150K | 7(a) | 1 | P+1.50% | $50K | Q4 2022 |
| Florida · Miscellaneous Retail · $150K – $350K | 7(a) | 1 | P+1.50% | $187K | Q4 2022 |
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