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
516
2010–2026
Total Volume
$337M
Gross loan amounts
States Active
8
With recorded loans
Programs
7(a) & 504
516 total segments
Exchange Bank has a strong focus on existing businesses, with 51% of their deals supporting established companies. If you're looking to buy or expand an existing business, this lender may be a good fit for you.
With an average spread of P+2.23%, Exchange Bank offers competitive pricing compared to the national median of P+2.75%. This could result in lower overall loan costs for your SBA financing.
The lender's growth trend is impressive, showing a 100% year-over-year increase in deals. This suggests that Exchange Bank is actively expanding its lending capacity, which may improve your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 86 504 loans, which use fixed SBA debenture rates.
States where Exchange Bank has recorded SBA lending activity.
+ 3 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Food & Beverage Stores
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Exchange Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 26 | P+2.50% | $286K | Q2 2023 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 18 | P+2.25% | $706K | Q1 2025 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 12 | P+2.75% | $78K | Q3 2023 |
| California · Manufacturing · Under $150K | 7(a) | 10 | P+2.50% | $86K | Q4 2025 |
| California · Manufacturing · $150K – $350K | 7(a) | 10 | P+2.75% | $235K | Q4 2025 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 10 | P+2.25% | $424K | Q2 2020 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 9 | P+2.00% | $1.5M | Q1 2023 |
| California · Manufacturing · $500K – $1M | 7(a) | 8 | P+2.13% | $739K | Q2 2021 |
| California · Food & Beverage Stores · Under $150K | 7(a) | 7 | P+2.75% | $109K | Q1 2023 |
| California · Specialty Trade Contractors · $150K – $350K | 7(a) | 7 | P+2.50% | $271K | Q1 2023 |
| California · Food & Beverage Stores · $350K – $500K | 7(a) | 7 | P+2.75% | $404K | Q4 2023 |
| California · Hotels & Accommodation · $500K – $1M | 7(a) | 6 | P+2.50% | $795K | Q2 2014 |
| California · Management & IT Consulting · Under $150K | 7(a) | 6 | P+2.75% | $89K | Q3 2019 |
| California · Manufacturing · $500K – $1M | 504 | 6 | — | $754K | Q1 2017 |
| California · Nursing & Residential Care · $500K – $1M | 7(a) | 5 | P+2.25% | $755K | Q3 2022 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 5 | P+2.50% | $293K | Q2 2023 |
| California · Restaurants & Food Service · $500K – $1M | 504 | 5 | — | $635K | Q3 2025 |
| California · Wholesale Trade · Under $150K | 7(a) | 5 | P+2.75% | $106K | Q2 2018 |
| California · Specialty Trade Contractors · $500K – $1M | 7(a) | 5 | P+2.25% | $636K | Q3 2021 |
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 5 | P+1.75% | $2.9M | Q2 2017 |
| California · Auto Repair & Maintenance · $500K – $1M | 7(a) | 5 | P+2.50% | $651K | Q3 2017 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+2.25% | $105K | Q3 2021 |
| California · Real Estate · $1M – $2M | 7(a) | 5 | P+2.00% | $1.2M | Q3 2019 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 4 | P+2.38% | $633K | Q2 2021 |
| California · Engineering & Architecture · Under $150K | 7(a) | 4 | P+2.75% | $122K | Q1 2017 |
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