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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
687
2010–2026
Total Volume
$530M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
687 total segments
Heritage Bank of Commerce has a strong focus on existing businesses, with 73% of their deals supporting established companies. This makes them a solid choice for borrowers looking to expand or refinance an existing operation.
With a 22% share of 504 loans, Heritage Bank is more balanced than many lenders, which typically focus on 7(a) loans. This indicates they can support larger real estate purchases or equipment financing, appealing to businesses needing substantial capital.
Heritage Bank's average 7(a) spread of P+2.39% is lower than the national median of P+2.75%. This competitive pricing can save borrowers money over the life of their loan, making them an attractive option for financing.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 153 504 loans, which use fixed SBA debenture rates.
States where Heritage Bank of Commerce has recorded SBA lending activity.
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
Hotels & Accommodation
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Food & Beverage Stores
Retail Trade
Physician & Dental Offices
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Heritage Bank of Commerce, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 26 | P+1.38% | $2.9M | Q2 2018 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 24 | P+2.50% | $722K | Q4 2019 |
| California · Manufacturing · $150K – $350K | 7(a) | 21 | P+2.75% | $289K | Q4 2024 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 18 | P+2.75% | $260K | Q3 2025 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 18 | P+2.75% | $424K | Q2 2024 |
| California · Hotels & Accommodation · $1M – $2M | 7(a) | 15 | P+1.25% | $1.5M | Q1 2020 |
| California · Manufacturing · $350K – $500K | 7(a) | 15 | P+2.50% | $443K | Q1 2024 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 15 | P+2.75% | $122K | Q3 2017 |
| California · Specialty Trade Contractors · $150K – $350K | 7(a) | 13 | P+2.75% | $288K | Q3 2025 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 11 | P+2.25% | $1.7M | Q2 2023 |
| California · Administrative & Waste Services · $150K – $350K | 7(a) | 10 | P+2.75% | $256K | Q4 2023 |
| California · Specialty Trade Contractors · $500K – $1M | 7(a) | 10 | P+2.25% | $731K | Q4 2024 |
| California · Manufacturing · $500K – $1M | 7(a) | 9 | P+2.75% | $664K | Q4 2021 |
| California · Nursing & Residential Care · $500K – $1M | 7(a) | 9 | P+1.50% | $769K | Q3 2015 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 9 | P+2.75% | $258K | Q1 2022 |
| California · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 8 | P+2.75% | $275K | Q3 2021 |
| California · Specialty Trade Contractors · $1M – $2M | 7(a) | 8 | P+2.13% | $1.4M | Q3 2024 |
| California · Restaurants & Food Service · $500K – $1M | 504 | 8 | — | $673K | Q3 2025 |
| California · Specialty Trade Contractors · $1M – $2M | 504 | 8 | — | $1.3M | Q1 2025 |
| California · Retail Trade · Under $150K | 7(a) | 7 | P+2.75% | $123K | Q1 2019 |
| California · Specialty Trade Contractors · $500K – $1M | 504 | 7 | — | $672K | Q4 2025 |
| California · Administrative & Waste Services · $350K – $500K | 7(a) | 7 | P+2.75% | $424K | Q1 2020 |
| California · Manufacturing · Under $150K | 7(a) | 7 | P+2.75% | $126K | Q2 2017 |
| California · Hotels & Accommodation · $500K – $1M | 7(a) | 7 | P+1.50% | $739K | Q2 2014 |
| California · Retail Trade · $150K – $350K | 7(a) | 6 | P+2.75% | $217K | Q1 2016 |
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