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
95
2010–2026
Total Volume
$26M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
95 total segments
Huron Valley State Bank has a strong focus on 504 loans, making up 31% of their SBA deals, which is significantly higher than the national average of 18%. This indicates they are well-suited for borrowers looking to finance real estate or large equipment purchases.
With an average 7(a) spread of P+1.90%, Huron Valley State Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to lower overall borrowing costs for your SBA loan.
The bank's growth trend shows a 40% year-over-year increase in SBA deals, indicating a rising capacity to lend and potentially more favorable terms for new borrowers as they expand their portfolio.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 29 504 loans, which use fixed SBA debenture rates.
States where Huron Valley State Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Administrative & Waste Services
Administrative & Waste Services
Specialty Trade Contractors
Construction
Retail Trade
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Management & IT Consulting
Professional Services
Other Repair & Services
Other Services
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Huron Valley State Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Administrative & Waste Services · Under $150K | 7(a) | 6 | P+2.00% | $64K | Q4 2019 |
| Michigan · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+1.50% | $295K | Q3 2024 |
| Michigan · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+2.00% | $110K | Q3 2020 |
| Michigan · Other Professional Services · Under $150K | 7(a) | 3 | P+1.50% | $33K | Q2 2013 |
| Michigan · Retail Trade · $150K – $350K | 504 | 3 | — | $308K | Q3 2012 |
| Michigan · Building Construction · Under $150K | 7(a) | 3 | P+2.00% | $117K | Q2 2025 |
| Michigan · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+1.00% | $55K | Q4 2010 |
| Michigan · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.25% | $178K | Q4 2014 |
| Michigan · Management & IT Consulting · Under $150K | 7(a) | 2 | P+2.00% | $63K | Q3 2013 |
| Michigan · Other Repair & Services · $150K – $350K | 7(a) | 2 | P+2.50% | $225K | Q2 2015 |
| Michigan · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.38% | $180K | Q3 2017 |
| Michigan · Retail Trade · Under $150K | 7(a) | 2 | P+2.13% | $38K | Q1 2025 |
| Michigan · Retail Trade · $150K – $350K | 7(a) | 2 | P+2.63% | $289K | Q2 2019 |
| Michigan · Manufacturing · $150K – $350K | 504 | 2 | — | $273K | Q2 2019 |
| Michigan · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $254K | Q3 2015 |
| Michigan · Administrative & Waste Services · $150K – $350K | 504 | 2 | — | $328K | Q3 2025 |
| Michigan · Manufacturing · $350K – $500K | 504 | 2 | — | $413K | Q3 2018 |
| Michigan · General Merchandise · $150K – $350K | 504 | 2 | — | $253K | Q4 2021 |
| Michigan · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+1.00% | $687K | Q3 2023 |
| Michigan · Auto Repair & Maintenance · Under $150K | 7(a) | 1 | P+2.25% | $76K | Q4 2010 |
| Michigan · Auto Repair & Maintenance · $350K – $500K | 7(a) | 1 | P+2.50% | $402K | Q4 2009 |
| Michigan · Personal Care (Salons, Spas) · Under $150K | 7(a) | 1 | P+2.75% | $25K | Q1 2015 |
| Michigan · Other Repair & Services · Under $150K | 7(a) | 1 | P+1.00% | $75K | Q1 2013 |
| Michigan · Transportation & Warehousing · $500K – $1M | 504 | 1 | — | $680K | Q3 2021 |
| Michigan · Other Repair & Services · $500K – $1M | 7(a) | 1 | P+2.75% | $710K | Q2 2015 |
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