GOOD
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
669
2010–2026
Total Volume
$690M
Gross loan amounts
States Active
46
With recorded loans
Programs
7(a) & 504
669 total segments
Evolve Bank and Trust has a balanced approach to lending, with a near-equal split among startups (35%), existing businesses (34%), and acquisitions (31%). This diversity means they can cater to various business needs, making them a good choice for different types of borrowers.
With an average 7(a) spread of P+2.57%, Evolve Bank and Trust offers competitive pricing compared to the national median of P+2.75%. This lower spread can save you money over the life of your loan, making them an attractive option for borrowers.
Evolve Bank and Trust has shown a strong growth trend, with a 15% year-over-year increase in deals. This upward trajectory suggests they are expanding their lending capacity, which could mean more favorable terms and a higher likelihood of approval for your loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 73 504 loans, which use fixed SBA debenture rates.
Top 15 of 46 states where Evolve Bank and 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
Social Assistance
Health Care & Social Assistance
Physician & Dental Offices
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Manufacturing
Manufacturing
Nursing & Residential Care
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Evolve Bank and Trust, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Gas Stations · $1M – $2M | 7(a) | 7 | P+2.75% | $1.3M | Q2 2016 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 6 | P+2.75% | $419K | Q1 2024 |
| Texas · Gas Stations · $500K – $1M | 7(a) | 6 | P+2.75% | $785K | Q2 2013 |
| Oregon · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+2.50% | $755K | Q3 2021 |
| Colorado · Restaurants & Food Service · $1M – $2M | 7(a) | 4 | P+2.38% | $1.6M | Q2 2022 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 4 | P+2.13% | $747K | Q4 2022 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.50% | $300K | Q2 2023 |
| Florida · Physician & Dental Offices · $500K – $1M | 7(a) | 4 | P+2.63% | $758K | Q1 2018 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 4 | P+2.50% | $784K | Q4 2016 |
| Washington · Nursing & Residential Care · $1M – $2M | 7(a) | 3 | P+2.00% | $1.4M | Q3 2025 |
| Arizona · Manufacturing · $500K – $1M | 7(a) | 3 | P+2.75% | $872K | Q4 2023 |
| Florida · Auto Repair & Maintenance · $1M – $2M | 504 | 3 | — | $1.5M | Q3 2024 |
| Florida · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.75% | $465K | Q3 2023 |
| Texas · Physician & Dental Offices · $500K – $1M | 7(a) | 3 | P+2.75% | $655K | Q3 2014 |
| Florida · Real Estate · $500K – $1M | 7(a) | 3 | P+2.25% | $652K | Q2 2021 |
| Texas · Nursing & Residential Care · $1M – $2M | 7(a) | 3 | P+2.00% | $1.3M | Q4 2025 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.75% | $753K | Q3 2021 |
| Florida · Social Assistance · $2M – $5M | 7(a) | 3 | P+1.75% | $3.6M | Q3 2016 |
| Washington · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.75% | $618K | Q4 2024 |
| Arizona · Restaurants & Food Service · $1M – $2M | 7(a) | 3 | P+2.75% | $1.2M | Q3 2023 |
| Colorado · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.75% | $267K | Q4 2021 |
| Texas · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 3 | P+2.75% | $596K | Q1 2022 |
| Florida · Other Health Practitioners · $500K – $1M | 7(a) | 3 | P+4.25% | $790K | Q1 2020 |
| Washington · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.75% | $459K | Q3 2014 |
| Oregon · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+3.00% | $447K | Q4 2019 |
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