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
91
2010–2026
Total Volume
$63M
Gross loan amounts
States Active
9
With recorded loans
Programs
7(a) & 504
91 total segments
Most active in Illinois (77% of deals) and focuses heavily on finance & insurance (13% of deals).
With a median 7(a) spread of P + 0.94%, Lake Forest Bank & Trust Company, National Association prices well below the national median of P + 2.00% — competitive pricing is a clear strength here.
Finance & Insurance makes up 13% of Lake Forest Bank & Trust Company, National Association's deals — 14.8x the national average. This is a clear specialist, not a generalist who happens to do some finance & insurance lending.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 21 504 loans, which use fixed SBA debenture rates.
States where Lake Forest Bank & Trust Company, National Association has recorded SBA lending activity.
+ 4 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Finance & Insurance
Finance & Insurance
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Personal Care (Salons, Spas)
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Real Estate
Real Estate
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Lake Forest Bank & Trust Company, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Finance & Insurance · $500K – $1M | 7(a) | 4 | P+-0.38% | $748K | Q1 2025 |
| Illinois · Real Estate · $150K – $350K | 7(a) | 4 | P+1.38% | $240K | Q4 2018 |
| Illinois · Physician & Dental Offices · $150K – $350K | 7(a) | 3 | P+1.50% | $195K | Q3 2017 |
| Illinois · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.00% | $97K | Q1 2018 |
| Illinois · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+1.50% | $128K | Q1 2023 |
| Illinois · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+2.25% | $247K | Q3 2016 |
| Illinois · General Merchandise · Under $150K | 7(a) | 2 | P+1.25% | $100K | Q1 2018 |
| Illinois · Manufacturing · $1M – $2M | 504 | 2 | — | $1.5M | Q2 2019 |
| Illinois · Retail Trade · Under $150K | 7(a) | 2 | P+2.00% | $125K | Q2 2017 |
| Illinois · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.25% | $50K | Q3 2016 |
| Illinois · Manufacturing · $150K – $350K | 7(a) | 2 | P+0.13% | $171K | Q1 2025 |
| Illinois · Specialty Trade Contractors · $150K – $350K | 504 | 2 | — | $229K | Q3 2013 |
| Illinois · Specialty Trade Contractors · $150K – $350K | 7(a) | 1 | P+1.50% | $350K | Q3 2025 |
| Illinois · Specialty Trade Contractors · $2M – $5M | 7(a) | 1 | P+1.00% | $2.1M | Q2 2022 |
| Illinois · Building Construction · Under $150K | 7(a) | 1 | P+2.00% | $150K | Q2 2017 |
| Illinois · Auto Dealers & Parts · $150K – $350K | 7(a) | 1 | P+0.50% | $342K | Q3 2021 |
| Illinois · Food & Beverage Stores · $350K – $500K | 7(a) | 1 | P+-0.50% | $370K | Q2 2024 |
| Illinois · General Merchandise · $150K – $350K | 7(a) | 1 | P+2.25% | $200K | Q2 2020 |
| Illinois · Miscellaneous Retail · $150K – $350K | 7(a) | 1 | P+2.00% | $274K | Q2 2016 |
| Illinois · Legal Services · $150K – $350K | 7(a) | 1 | P+1.00% | $350K | Q1 2020 |
| Illinois · Legal Services · $500K – $1M | 7(a) | 1 | P+1.00% | $950K | Q1 2020 |
| Illinois · Engineering & Architecture · $150K – $350K | 7(a) | 1 | P+1.00% | $250K | Q1 2022 |
| Illinois · Physician & Dental Offices · Under $150K | 7(a) | 1 | P+1.25% | $50K | Q2 2016 |
| Illinois · Physician & Dental Offices · $500K – $1M | 7(a) | 1 | P+1.00% | $700K | Q1 2020 |
| Illinois · Restaurants & Food Service · $2M – $5M | 7(a) | 1 | P+1.00% | $5.0M | Q3 2024 |
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