STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
5,471
2010–2026
Total Volume
$5.5B
Gross loan amounts
States Active
44
With recorded loans
Programs
7(a) & 504
5471 total segments
Enterprise Bank & Trust has a strong focus on existing businesses, with 83% of their deals supporting established companies. This makes them a solid choice if you're looking to expand or refinance an existing business rather than starting a new venture.
Their average 7(a) spread of P+1.85% is lower than the national median of ~P+2.75%. This could mean lower monthly payments for your loan, making it an attractive option for cost-conscious borrowers.
With a 7% share of 504 loans, Enterprise Bank & Trust offers some options for real estate financing, but they are primarily a 7(a) lender. If your project requires significant real estate funding, you might want to consider other lenders with a stronger 504 presence.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 364 504 loans, which use fixed SBA debenture rates.
Top 15 of 44 states where Enterprise Bank & Trust has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Real Estate
Real Estate
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Auto Repair & Maintenance
Other Services
Transportation & Warehousing
Transportation & Warehousing
Hotels & Accommodation
Accommodation & Food Services
+ 7 more
All recorded SBA lending activity for Enterprise Bank & Trust, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 105 | P+2.25% | $711K | Q4 2025 |
| California · Real Estate · $500K – $1M | 7(a) | 87 | P+2.00% | $728K | Q3 2024 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 80 | P+2.25% | $1.4M | Q3 2024 |
| California · Auto Repair & Maintenance · $500K – $1M | 7(a) | 67 | P+2.00% | $746K | Q4 2024 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 66 | P+2.75% | $263K | Q4 2024 |
| California · Manufacturing · $500K – $1M | 7(a) | 63 | P+2.25% | $719K | Q2 2025 |
| California · Manufacturing · $1M – $2M | 7(a) | 61 | P+2.25% | $1.4M | Q3 2025 |
| California · Real Estate · $1M – $2M | 7(a) | 58 | P+1.88% | $1.4M | Q4 2025 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 57 | P+2.00% | $1.4M | Q3 2025 |
| California · Wholesale Trade · $500K – $1M | 7(a) | 55 | P+2.25% | $754K | Q3 2023 |
| California · Transportation & Warehousing · $500K – $1M | 7(a) | 51 | P+2.25% | $712K | Q2 2023 |
| California · Auto Repair & Maintenance · $1M – $2M | 7(a) | 50 | P+2.00% | $1.4M | Q4 2025 |
| California · Specialty Trade Contractors · $500K – $1M | 7(a) | 49 | P+2.00% | $751K | Q4 2025 |
| California · Physician & Dental Offices · $500K – $1M | 7(a) | 49 | P+2.00% | $753K | Q1 2025 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 48 | P+2.38% | $731K | Q1 2023 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 46 | P+2.50% | $418K | Q1 2019 |
| California · Specialty Trade Contractors · $1M – $2M | 7(a) | 43 | P+1.75% | $1.4M | Q1 2024 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 40 | P+2.50% | $263K | Q4 2021 |
| California · Transportation & Warehousing · $1M – $2M | 7(a) | 39 | P+1.75% | $1.4M | Q3 2025 |
| California · Specialty Trade Contractors · $150K – $350K | 7(a) | 36 | P+2.50% | $251K | Q3 2020 |
| California · Auto Repair & Maintenance · $350K – $500K | 7(a) | 34 | P+2.50% | $422K | Q4 2025 |
| California · Manufacturing · $2M – $5M | 7(a) | 32 | P+1.75% | $3.2M | Q1 2023 |
| California · Real Estate · $350K – $500K | 7(a) | 31 | P+2.25% | $437K | Q3 2021 |
| California · Gas Stations · $1M – $2M | 7(a) | 31 | P+2.75% | $1.4M | Q3 2021 |
| California · Auto Dealers & Parts · $500K – $1M | 7(a) | 30 | P+2.25% | $683K | Q2 2022 |
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Real experiences from borrowers who closed SBA loans with Enterprise Bank & Trust.
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