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
374
2010–2026
Total Volume
$184M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
374 total segments
Guaranty Bank has a strong focus on existing businesses, with 46% of their deals going to this category. This makes them a solid choice for established companies seeking funding.
With an average 7(a) spread of P+2.48%, Guaranty Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Guaranty Bank's growth trend shows a significant decline of 63% year-over-year in deal volume. This may indicate a tightening of lending standards, making it potentially more challenging to secure a loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 42 504 loans, which use fixed SBA debenture rates.
States where Guaranty Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
Wholesale Trade
Wholesale Trade
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for Guaranty Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 15 | P+2.75% | $111K | Q4 2022 |
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 15 | P+2.75% | $64K | Q4 2022 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 12 | P+2.75% | $238K | Q4 2021 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 10 | P+2.75% | $62K | Q3 2022 |
| Missouri · Auto Repair & Maintenance · $150K – $350K | 7(a) | 9 | P+2.75% | $242K | Q4 2022 |
| Missouri · Manufacturing · $150K – $350K | 7(a) | 9 | P+2.75% | $265K | Q1 2022 |
| Missouri · Manufacturing · Under $150K | 7(a) | 8 | P+2.75% | $89K | Q1 2022 |
| Missouri · Auto Repair & Maintenance · Under $150K | 7(a) | 8 | P+2.75% | $98K | Q4 2020 |
| Missouri · Miscellaneous Retail · Under $150K | 7(a) | 8 | P+2.75% | $68K | Q4 2023 |
| Missouri · Arts, Entertainment & Recreation · Under $150K | 7(a) | 6 | P+2.75% | $104K | Q2 2022 |
| Missouri · Retail Trade · Under $150K | 7(a) | 6 | P+2.75% | $77K | Q4 2018 |
| Missouri · Retail Trade · $150K – $350K | 7(a) | 6 | P+2.75% | $234K | Q4 2021 |
| Missouri · Auto Repair & Maintenance · $500K – $1M | 7(a) | 6 | P+2.75% | $719K | Q3 2019 |
| Missouri · Manufacturing · $500K – $1M | 7(a) | 5 | P+2.25% | $652K | Q1 2021 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.75% | $81K | Q2 2019 |
| Missouri · Administrative & Waste Services · $500K – $1M | 7(a) | 5 | P+2.25% | $619K | Q3 2021 |
| Missouri · Other Repair & Services · Under $150K | 7(a) | 4 | P+2.75% | $96K | Q2 2022 |
| Missouri · Accounting & Tax · Under $150K | 7(a) | 4 | P+2.75% | $125K | Q2 2021 |
| Missouri · Social Assistance · $150K – $350K | 7(a) | 4 | P+2.75% | $243K | Q4 2021 |
| Missouri · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+2.38% | $91K | Q3 2017 |
| Missouri · Specialty Trade Contractors · $1M – $2M | 7(a) | 4 | P+2.75% | $1.3M | Q3 2020 |
| Missouri · Agriculture & Forestry · $500K – $1M | 7(a) | 4 | P+1.88% | $781K | Q1 2022 |
| Missouri · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.75% | $228K | Q1 2021 |
| Missouri · Manufacturing · $1M – $2M | 7(a) | 3 | P+2.75% | $1.2M | Q4 2019 |
| Missouri · Wholesale Trade · Under $150K | 7(a) | 3 | P+2.75% | $72K | Q1 2024 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with Guaranty Bank.
No reviews yet. Be the first to review Guaranty Bank.