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
86
2010–2025
Total Volume
$15M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
86 total segments
Most active in Pennsylvania (100% of deals) and focuses heavily on restaurants & food service (24% of deals).
With a median 7(a) spread of P + 1.37%, InFirst Bank prices well below the national median of P + 2.00% — competitive pricing is a clear strength here.
50% of InFirst Bank's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 1 504 loans, which use fixed SBA debenture rates.
States where InFirst Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Real Estate
Real Estate
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Manufacturing
Manufacturing
Other Repair & Services
Other Services
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for InFirst Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 17 | P+1.00% | $77K | Q1 2024 |
| Pennsylvania · Real Estate · Under $150K | 7(a) | 5 | P+1.00% | $81K | Q1 2024 |
| Pennsylvania · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+1.50% | $55K | Q3 2023 |
| Pennsylvania · Food & Beverage Stores · Under $150K | 7(a) | 4 | P+0.50% | $110K | Q3 2021 |
| Pennsylvania · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+1.50% | $66K | Q2 2022 |
| Pennsylvania · Other Repair & Services · Under $150K | 7(a) | 3 | P+0.75% | $25K | Q2 2023 |
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.49% | $289K | Q2 2020 |
| Pennsylvania · Wholesale Trade · $150K – $350K | 7(a) | 3 | P+2.50% | $235K | Q2 2022 |
| Pennsylvania · Manufacturing · Under $150K | 7(a) | 3 | P+1.25% | $108K | Q2 2023 |
| Pennsylvania · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+2.00% | $65K | Q1 2020 |
| Pennsylvania · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+1.88% | $254K | Q3 2021 |
| Pennsylvania · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+1.13% | $245K | Q3 2021 |
| Pennsylvania · Food & Beverage Stores · $350K – $500K | 7(a) | 2 | P+0.88% | $387K | Q3 2021 |
| Pennsylvania · Management & IT Consulting · $150K – $350K | 7(a) | 2 | P+3.75% | $350K | Q2 2010 |
| Pennsylvania · Social Assistance · Under $150K | 7(a) | 2 | P+1.07% | $40K | Q1 2024 |
| Pennsylvania · Real Estate · $150K – $350K | 7(a) | 2 | P+1.25% | $235K | Q2 2019 |
| Pennsylvania · Real Estate · $350K – $500K | 7(a) | 2 | P+0.88% | $470K | Q1 2022 |
| Pennsylvania · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+-0.63% | $63K | Q1 2024 |
| Pennsylvania · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+0.25% | $70K | Q1 2023 |
| Pennsylvania · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.63% | $274K | Q3 2016 |
| Pennsylvania · Auto Repair & Maintenance · $150K – $350K | 7(a) | 1 | P+1.50% | $260K | Q2 2018 |
| Pennsylvania · Engineering & Architecture · $150K – $350K | 7(a) | 1 | P+2.75% | $250K | Q4 2015 |
| Pennsylvania · Engineering & Architecture · Under $150K | 7(a) | 1 | P+0.10% | $60K | Q4 2023 |
| Pennsylvania · Other Repair & Services · $150K – $350K | 7(a) | 1 | P+1.75% | $340K | Q1 2016 |
| Pennsylvania · Food & Beverage Stores · $500K – $1M | 7(a) | 1 | P+0.50% | $505K | Q3 2021 |
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