GOOD
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
83
2010–2025
Total Volume
$33M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
83 total segments
Most active in Minnesota (88% of deals) and focuses heavily on physician & dental offices (39% of deals).
Physician & Dental Offices makes up 39% of GATEWAY BANK's deals — 14.3x the national average. This is a clear specialist, not a generalist who happens to do some physician & dental offices lending.
29% of GATEWAY BANK's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 46 504 loans, which use fixed SBA debenture rates.
States where GATEWAY BANK has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Physician & Dental Offices
Health Care & Social Assistance
Manufacturing
Manufacturing
Other Professional Services
Professional Services
Other Health Practitioners
Health Care & Social Assistance
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Accounting & Tax
Professional Services
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for GATEWAY BANK, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Minnesota · Physician & Dental Offices · Under $150K | 504 | 7 | — | $88K | Q2 2019 |
| Minnesota · Physician & Dental Offices · $500K – $1M | 504 | 6 | — | $722K | Q1 2024 |
| Minnesota · Physician & Dental Offices · $150K – $350K | 504 | 6 | — | $269K | Q3 2020 |
| Minnesota · Physician & Dental Offices · $350K – $500K | 504 | 3 | — | $428K | Q4 2020 |
| Minnesota · Manufacturing · $150K – $350K | 7(a) | 3 | P+2.25% | $238K | Q1 2023 |
| Minnesota · Physician & Dental Offices · Under $150K | 7(a) | 3 | P+2.75% | $118K | Q2 2016 |
| Minnesota · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.00% | $20K | Q4 2022 |
| Minnesota · Physician & Dental Offices · $1M – $2M | 504 | 2 | — | $1.1M | Q2 2024 |
| Minnesota · Manufacturing · Under $150K | 7(a) | 2 | P+2.50% | $105K | Q4 2013 |
| Minnesota · Other Professional Services · Under $150K | 7(a) | 2 | P+2.63% | $51K | Q1 2016 |
| Minnesota · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.13% | $75K | Q3 2021 |
| Minnesota · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+2.75% | $273K | Q4 2011 |
| Minnesota · Physician & Dental Offices · $500K – $1M | 7(a) | 2 | P+2.75% | $539K | Q3 2010 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+2.75% | $38K | Q3 2014 |
| Minnesota · Building Construction · Under $150K | 7(a) | 2 | P+2.75% | $32K | Q3 2012 |
| Minnesota · Other Professional Services · Under $150K | 504 | 1 | — | $149K | Q1 2017 |
| Minnesota · Real Estate · $350K – $500K | 504 | 1 | — | $420K | Q3 2022 |
| Minnesota · Manufacturing · $150K – $350K | 504 | 1 | — | $192K | Q4 2013 |
| Arizona · Accounting & Tax · $350K – $500K | 504 | 1 | — | $495K | Q4 2023 |
| Minnesota · Other Professional Services · $1M – $2M | 504 | 1 | — | $1.1M | Q1 2020 |
| Minnesota · Engineering & Architecture · Under $150K | 504 | 1 | — | $146K | Q3 2015 |
| Arizona · Specialty Trade Contractors · $150K – $350K | 504 | 1 | — | $273K | Q3 2018 |
| Arizona · Other Professional Services · $150K – $350K | 504 | 1 | — | $198K | Q2 2022 |
| Minnesota · Sporting Goods & Hobby · Under $150K | 7(a) | 1 | P+2.25% | $75K | Q3 2015 |
| Minnesota · Engineering & Architecture · $150K – $350K | 7(a) | 1 | P+1.25% | $250K | Q1 2023 |
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