GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,583
2010–2026
Total Volume
$1.1B
Gross loan amounts
States Active
47
With recorded loans
Programs
7(a) & 504
1583 total segments
Gulf Coast Bank and Trust Company primarily focuses on 7(a) loans, with 99.5% of their deals in this category. If you're looking for a 504 loan, this lender has minimal presence in that area, making them a better fit for 7(a) borrowers.
With an average deal size of $686,154, Gulf Coast Bank and Trust is well-suited for mid-sized businesses. If your funding needs fall within the $500K-$1M range, they have completed 400 deals in that band, indicating strong support for businesses in that size category.
The bank has shown impressive growth with a 51% year-over-year increase in SBA deals. This trend suggests they are actively expanding their lending capacity, which could mean more favorable terms and quicker approvals for borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 8 504 loans, which use fixed SBA debenture rates.
Top 15 of 47 states where Gulf Coast Bank and Trust Company has recorded SBA lending activity.
+ 10 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
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Retail Trade
Retail Trade
Social Assistance
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for Gulf Coast Bank and Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Louisiana · Retail Trade · Under $150K | 7(a) | 46 | P+3.00% | $84K | Q4 2016 |
| Louisiana · Restaurants & Food Service · Under $150K | 7(a) | 41 | P+3.70% | $103K | Q4 2019 |
| Louisiana · Restaurants & Food Service · $150K – $350K | 7(a) | 31 | P+2.75% | $251K | Q1 2018 |
| Louisiana · Specialty Trade Contractors · Under $150K | 7(a) | 24 | P+4.00% | $89K | Q2 2013 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 24 | P+2.75% | $411K | Q1 2025 |
| Louisiana · Food & Beverage Stores · Under $150K | 7(a) | 23 | P+4.00% | $88K | Q4 2013 |
| Louisiana · Manufacturing · Under $150K | 7(a) | 21 | P+3.75% | $101K | Q4 2015 |
| Louisiana · Arts, Entertainment & Recreation · Under $150K | 7(a) | 19 | P+2.75% | $83K | Q4 2013 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 17 | P+2.75% | $756K | Q1 2025 |
| Florida · Social Assistance · $500K – $1M | 7(a) | 17 | P+2.50% | $710K | Q1 2025 |
| Louisiana · Wholesale Trade · Under $150K | 7(a) | 15 | P+3.75% | $88K | Q1 2013 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 14 | P+2.75% | $660K | Q4 2023 |
| Louisiana · Personal Care (Salons, Spas) · Under $150K | 7(a) | 13 | P+4.00% | $81K | Q1 2014 |
| Louisiana · Real Estate · Under $150K | 7(a) | 13 | P+4.00% | $102K | Q2 2015 |
| Louisiana · Transportation & Warehousing · Under $150K | 7(a) | 12 | P+3.38% | $101K | Q2 2012 |
| Louisiana · Restaurants & Food Service · $350K – $500K | 7(a) | 12 | P+2.75% | $431K | Q4 2020 |
| Texas · Restaurants & Food Service · $1M – $2M | 7(a) | 12 | P+2.50% | $1.5M | Q1 2025 |
| Louisiana · General Merchandise · Under $150K | 7(a) | 11 | P+2.75% | $80K | Q2 2014 |
| Louisiana · Restaurants & Food Service · $500K – $1M | 7(a) | 11 | P+2.75% | $723K | Q1 2021 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 11 | P+2.75% | $710K | Q4 2024 |
| Louisiana · Administrative & Waste Services · Under $150K | 7(a) | 10 | P+3.75% | $71K | Q4 2013 |
| Louisiana · Other Health Practitioners · Under $150K | 7(a) | 10 | P+3.88% | $89K | Q3 2013 |
| Louisiana · Other Repair & Services · Under $150K | 7(a) | 10 | P+3.13% | $92K | Q3 2016 |
| Louisiana · Legal Services · Under $150K | 7(a) | 10 | P+3.75% | $54K | Q4 2012 |
| Florida · Social Assistance · $350K – $500K | 7(a) | 9 | P+2.50% | $406K | Q3 2021 |
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