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
88
2011–2026
Total Volume
$61M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
88 total segments
Most active in Illinois (93% of deals) and focuses heavily on restaurants & food service (16% of deals).
With a median 7(a) spread of P + 2.55%, Grand Ridge National Bank prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
88 SBA loans worth $61.2M since FY2011, though deal volume has declined 33% from the prior year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 37 504 loans, which use fixed SBA debenture rates.
States where Grand Ridge National Bank has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Personal Care (Salons, Spas)
Other Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for Grand Ridge National Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Illinois · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.75% | $310K | Q4 2024 |
| Illinois · Wholesale Trade · $150K – $350K | 504 | 3 | — | $218K | Q4 2021 |
| Illinois · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.75% | $762K | Q2 2022 |
| Illinois · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $779K | Q1 2024 |
| Illinois · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+1.88% | $275K | Q3 2019 |
| Illinois · Specialty Trade Contractors · $150K – $350K | 504 | 2 | — | $237K | Q4 2022 |
| Illinois · Real Estate · $1M – $2M | 7(a) | 2 | P+2.63% | $1.3M | Q1 2019 |
| Illinois · Hotels & Accommodation · $350K – $500K | 504 | 2 | — | $462K | Q1 2016 |
| Illinois · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.50% | $130K | Q1 2022 |
| Illinois · Hotels & Accommodation · $2M – $5M | 504 | 2 | — | $2.6M | Q3 2023 |
| Illinois · Hotels & Accommodation · $500K – $1M | 504 | 2 | — | $712K | Q1 2017 |
| Illinois · Personal Care (Salons, Spas) · $350K – $500K | 7(a) | 2 | P+2.75% | $417K | Q4 2021 |
| Illinois · Hotels & Accommodation · $150K – $350K | 504 | 2 | — | $281K | Q4 2023 |
| Illinois · Wholesale Trade · $500K – $1M | 504 | 2 | — | $556K | Q3 2023 |
| Illinois · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.75% | $803K | Q2 2021 |
| Illinois · Hotels & Accommodation · $500K – $1M | 7(a) | 1 | P+2.75% | $935K | Q4 2018 |
| Illinois · Auto Repair & Maintenance · $150K – $350K | 7(a) | 1 | P+2.75% | $280K | Q2 2019 |
| Illinois · Personal Care (Salons, Spas) · Under $150K | 7(a) | 1 | P+2.75% | $100K | Q3 2018 |
| Illinois · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 1 | P+2.75% | $275K | Q4 2014 |
| Illinois · Personal Care (Salons, Spas) · $500K – $1M | 7(a) | 1 | P+2.75% | $805K | Q3 2024 |
| Illinois · Laundry & Dry Cleaning · Under $150K | 7(a) | 1 | P+2.75% | $100K | Q3 2017 |
| Illinois · Manufacturing · Under $150K | 7(a) | 1 | P+2.75% | $150K | Q2 2018 |
| Illinois · Manufacturing · $1M – $2M | 7(a) | 1 | P+2.75% | $1.7M | Q4 2021 |
| Illinois · Manufacturing · $2M – $5M | 7(a) | 1 | P+2.75% | $2.3M | Q2 2018 |
| Illinois · Information & Media · $1M – $2M | 7(a) | 1 | P+2.00% | $1.6M | Q4 2021 |
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