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
88
2010–2025
Total Volume
$62M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
88 total segments
Most active in Florida (100% of deals) and focuses heavily on restaurants & food service (16% of deals).
With a median 7(a) spread of P + 1.10%, INTRACOASTAL BANK prices well below the national median of P + 2.00% — competitive pricing is a clear strength here.
28% of INTRACOASTAL 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 86 504 loans, which use fixed SBA debenture rates.
States where INTRACOASTAL 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
Auto Repair & Maintenance
Other Services
Hotels & Accommodation
Accommodation & Food Services
Nursing & Residential Care
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Auto Dealers & Parts
Retail Trade
+ 7 more
All recorded SBA lending activity for INTRACOASTAL BANK, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Restaurants & Food Service · $150K – $350K | 504 | 6 | — | $221K | Q2 2021 |
| Florida · Restaurants & Food Service · $500K – $1M | 504 | 4 | — | $765K | Q3 2023 |
| Florida · Administrative & Waste Services · $150K – $350K | 504 | 4 | — | $254K | Q2 2021 |
| Florida · Arts, Entertainment & Recreation · $150K – $350K | 504 | 3 | — | $248K | Q1 2022 |
| Florida · Nursing & Residential Care · $2M – $5M | 504 | 3 | — | $4.4M | Q1 2021 |
| Florida · Hotels & Accommodation · $500K – $1M | 504 | 3 | — | $667K | Q2 2020 |
| Florida · Restaurants & Food Service · Under $150K | 504 | 3 | — | $82K | Q3 2022 |
| Florida · Hotels & Accommodation · $350K – $500K | 504 | 3 | — | $427K | Q4 2011 |
| Florida · Manufacturing · $150K – $350K | 504 | 3 | — | $256K | Q3 2020 |
| Florida · Auto Repair & Maintenance · $150K – $350K | 504 | 3 | — | $242K | Q1 2016 |
| Florida · Administrative & Waste Services · Under $150K | 504 | 2 | — | $93K | Q4 2012 |
| Florida · Other Health Practitioners · Under $150K | 504 | 2 | — | $108K | Q2 2019 |
| Florida · Wholesale Trade · $150K – $350K | 504 | 2 | — | $246K | Q4 2014 |
| Florida · Auto Repair & Maintenance · $500K – $1M | 504 | 2 | — | $761K | Q3 2016 |
| Florida · Auto Repair & Maintenance · $350K – $500K | 504 | 2 | — | $391K | Q4 2011 |
| Florida · Real Estate · $2M – $5M | 504 | 1 | — | $2.3M | Q3 2020 |
| Florida · Nursing & Residential Care · $1M – $2M | 504 | 1 | — | $1.9M | Q3 2022 |
| Florida · Nursing & Residential Care · $150K – $350K | 504 | 1 | — | $202K | Q2 2011 |
| Florida · Manufacturing · $2M – $5M | 504 | 1 | — | $3.5M | Q3 2017 |
| Florida · Arts, Entertainment & Recreation · $500K – $1M | 504 | 1 | — | $535K | Q3 2018 |
| Florida · Hotels & Accommodation · $2M – $5M | 504 | 1 | — | $3.0M | Q4 2023 |
| Florida · Retail Trade · $500K – $1M | 504 | 1 | — | $589K | Q2 2021 |
| Florida · Physician & Dental Offices · Under $150K | 504 | 1 | — | $55K | Q1 2010 |
| Florida · Retail Trade · $1M – $2M | 504 | 1 | — | $1.2M | Q2 2021 |
| Florida · Personal Care (Salons, Spas) · Under $150K | 504 | 1 | — | $46K | Q4 2012 |
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Real experiences from borrowers who closed SBA loans with INTRACOASTAL BANK.
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