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
351
2010–2026
Total Volume
$211M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
351 total segments
Horizon Bank SSB has a strong focus on existing businesses, with 58% of their deals serving this purpose. This makes them a good choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+2.43%, Horizon Bank SSB 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.
Horizon Bank SSB has seen a significant growth trend, with a 67% increase in deals year-over-year. This suggests they are actively expanding their lending capabilities, which could mean a higher likelihood of approval for your loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 79 504 loans, which use fixed SBA debenture rates.
States where Horizon Bank SSB has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Personal Care (Salons, Spas)
Other Services
Auto Repair & Maintenance
Other Services
Retail Trade
Retail Trade
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for Horizon Bank SSB, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 17 | P+2.75% | $78K | Q4 2018 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 14 | P+2.75% | $262K | Q2 2025 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 11 | P+2.75% | $705K | Q2 2025 |
| Texas · Food & Beverage Stores · $150K – $350K | 7(a) | 7 | P+2.50% | $295K | Q4 2020 |
| Texas · Restaurants & Food Service · $500K – $1M | 504 | 7 | — | $766K | Q2 2025 |
| Texas · Restaurants & Food Service · $1M – $2M | 7(a) | 7 | P+2.25% | $1.5M | Q2 2018 |
| Texas · Engineering & Architecture · Under $150K | 7(a) | 6 | P+2.75% | $87K | Q1 2015 |
| Texas · General Merchandise · Under $150K | 7(a) | 6 | P+3.00% | $52K | Q2 2014 |
| Texas · Manufacturing · Under $150K | 7(a) | 6 | P+2.50% | $96K | Q1 2018 |
| Texas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 6 | P+2.25% | $93K | Q4 2020 |
| Texas · Wholesale Trade · Under $150K | 7(a) | 6 | P+2.75% | $81K | Q3 2016 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 5 | P+2.75% | $403K | Q1 2025 |
| Texas · Information & Media · $150K – $350K | 7(a) | 5 | P+2.00% | $235K | Q4 2016 |
| Texas · Administrative & Waste Services · $150K – $350K | 7(a) | 5 | P+2.25% | $293K | Q3 2018 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.50% | $113K | Q4 2020 |
| Texas · Other Repair & Services · $150K – $350K | 7(a) | 5 | P+1.50% | $320K | Q3 2025 |
| Texas · Administrative & Waste Services · $350K – $500K | 504 | 4 | — | $418K | Q1 2023 |
| Texas · Auto Repair & Maintenance · $500K – $1M | 504 | 4 | — | $756K | Q2 2025 |
| Texas · Other Health Practitioners · $150K – $350K | 7(a) | 4 | P+2.13% | $209K | Q3 2021 |
| Texas · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.50% | $249K | Q1 2016 |
| Texas · Retail Trade · $150K – $350K | 7(a) | 4 | P+2.50% | $245K | Q2 2021 |
| Texas · Administrative & Waste Services · $1M – $2M | 7(a) | 3 | P+2.00% | $1.1M | Q3 2024 |
| Texas · Specialty Trade Contractors · $500K – $1M | 7(a) | 3 | P+2.00% | $832K | Q4 2022 |
| Texas · Information & Media · $1M – $2M | 7(a) | 3 | P+2.25% | $1.6M | Q1 2017 |
| Texas · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.25% | $109K | Q4 2016 |
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