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
83
2010–2025
Total Volume
$58M
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a) & 504
83 total segments
Most active in Tennessee (54% of deals) and focuses heavily on restaurants & food service (23% of deals).
32% of Guaranty Bank and Trust Company's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
83 SBA loans worth $58.5M since FY2010, though deal volume has declined 38% 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 7 504 loans, which use fixed SBA debenture rates.
States where Guaranty Bank and Trust Company has recorded SBA lending activity.
+ 2 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Retail Trade
Retail Trade
Wholesale Trade
Wholesale Trade
Other Health Practitioners
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Agriculture & Forestry
Agriculture & Forestry
Transportation & Warehousing
Transportation & Warehousing
Laundry & Dry Cleaning
Other Services
+ 7 more
All recorded SBA lending activity for Guaranty Bank and Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Mississippi · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.75% | $245K | Q2 2019 |
| Tennessee · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.25% | $571K | Q3 2017 |
| Tennessee · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.24% | $118K | Q4 2021 |
| Mississippi · Agriculture & Forestry · $150K – $350K | 7(a) | 3 | P+4.31% | $193K | Q2 2011 |
| Tennessee · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+1.75% | $289K | Q3 2025 |
| Tennessee · Wholesale Trade · $1M – $2M | 7(a) | 2 | P+2.25% | $1.7M | Q1 2021 |
| Tennessee · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.13% | $430K | Q1 2020 |
| Tennessee · Retail Trade · Under $150K | 7(a) | 2 | P+2.75% | $93K | Q4 2020 |
| Tennessee · Retail Trade · $150K – $350K | 7(a) | 2 | P+2.75% | $213K | Q3 2018 |
| Mississippi · Other Health Practitioners · $350K – $500K | 7(a) | 2 | P+2.50% | $428K | Q3 2015 |
| Tennessee · Other Health Practitioners · Under $150K | 7(a) | 2 | P+1.88% | $125K | Q2 2020 |
| Tennessee · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.13% | $222K | Q3 2016 |
| Tennessee · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.75% | $105K | Q1 2022 |
| Tennessee · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+2.75% | $241K | Q2 2013 |
| Mississippi · Wholesale Trade · $2M – $5M | 7(a) | 1 | P+2.75% | $5.0M | Q4 2010 |
| Mississippi · Retail Trade · $150K – $350K | 7(a) | 1 | P+2.00% | $301K | Q3 2019 |
| Mississippi · Transportation & Warehousing · $1M – $2M | 7(a) | 1 | P+1.30% | $1.1M | Q1 2013 |
| Mississippi · Real Estate · $500K – $1M | 7(a) | 1 | P+2.75% | $945K | Q3 2011 |
| Mississippi · Arts, Entertainment & Recreation · $350K – $500K | 7(a) | 1 | P+2.00% | $422K | Q3 2016 |
| Mississippi · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 1 | P+1.25% | $900K | Q3 2021 |
| Nevada · Restaurants & Food Service · $150K – $350K | 7(a) | 1 | P+2.75% | $245K | Q1 2010 |
| Tennessee · General Merchandise · $150K – $350K | 7(a) | 1 | P+2.75% | $210K | Q3 2015 |
| Tennessee · Miscellaneous Retail · Under $150K | 7(a) | 1 | P+2.75% | $129K | Q1 2012 |
| Tennessee · Miscellaneous Retail · $350K – $500K | 7(a) | 1 | P+2.75% | $400K | Q3 2010 |
| Tennessee · Engineering & Architecture · $1M – $2M | 7(a) | 1 | P+0.48% | $1.1M | Q2 2019 |
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 and Trust Company.
No reviews yet. Be the first to review Guaranty Bank and Trust Company.