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
129
2020–2026
Total Volume
$120M
Gross loan amounts
States Active
10
With recorded loans
Programs
7(a)
129 total segments
Loyal Trust Bank focuses heavily on startups, with 60% of their deals going to new businesses. If you're a first-time borrower, this lender may be a good fit for you.
With an average 7(a) spread of P+1.76%, Loyal Trust Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest.
The lender has a strong presence in Georgia, accounting for 112 of their 129 deals. If you're based in Georgia, you may find it easier to work with them due to their local expertise.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where Loyal Trust Bank has recorded SBA lending activity.
+ 5 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Miscellaneous Retail
Retail Trade
Laundry & Dry Cleaning
Other Services
Hotels & Accommodation
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for Loyal Trust Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 17 | P+2.00% | $656K | Q3 2025 |
| Georgia · Laundry & Dry Cleaning · $150K – $350K | 7(a) | 6 | P+2.38% | $266K | Q2 2025 |
| Georgia · Laundry & Dry Cleaning · $500K – $1M | 7(a) | 5 | P+2.00% | $635K | Q3 2025 |
| Georgia · Restaurants & Food Service · $350K – $500K | 7(a) | 5 | P+2.00% | $431K | Q4 2024 |
| Georgia · Miscellaneous Retail · $2M – $5M | 7(a) | 5 | P+1.50% | $2.9M | Q3 2025 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.00% | $285K | Q3 2024 |
| Georgia · Restaurants & Food Service · $1M – $2M | 7(a) | 4 | P+1.13% | $1.5M | Q1 2025 |
| Georgia · Food & Beverage Stores · $500K – $1M | 7(a) | 4 | P+1.50% | $671K | Q3 2025 |
| Georgia · Auto Repair & Maintenance · $500K – $1M | 7(a) | 3 | P+1.40% | $689K | Q2 2024 |
| Georgia · Food & Beverage Stores · $150K – $350K | 7(a) | 3 | P+2.50% | $283K | Q4 2024 |
| Georgia · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+1.75% | $4.0M | Q2 2022 |
| Georgia · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.25% | $123K | Q4 2022 |
| Georgia · Restaurants & Food Service · $2M – $5M | 7(a) | 2 | P+1.25% | $2.9M | Q1 2024 |
| Georgia · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.00% | $283K | Q3 2021 |
| Georgia · Auto Repair & Maintenance · $1M – $2M | 7(a) | 2 | P+1.25% | $1.2M | Q3 2023 |
| Alabama · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.63% | $224K | Q2 2022 |
| Georgia · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+1.88% | $349K | Q3 2021 |
| Georgia · Wholesale Trade · $500K – $1M | 7(a) | 2 | P+1.50% | $815K | Q2 2023 |
| Georgia · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+1.88% | $140K | Q2 2025 |
| Georgia · Nursing & Residential Care · $2M – $5M | 7(a) | 2 | P+1.50% | $3.1M | Q3 2025 |
| Alabama · Hotels & Accommodation · $1M – $2M | 7(a) | 2 | P+1.88% | $1.5M | Q1 2023 |
| Georgia · Retail Trade · $500K – $1M | 7(a) | 2 | P+1.75% | $758K | Q3 2021 |
| Georgia · Finance & Insurance · $350K – $500K | 7(a) | 2 | P+1.13% | $387K | Q1 2022 |
| Georgia · Food & Beverage Stores · $2M – $5M | 7(a) | 2 | P+2.13% | $3.2M | Q1 2025 |
| Georgia · Manufacturing · $350K – $500K | 7(a) | 2 | P+1.75% | $408K | Q3 2023 |
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Real experiences from borrowers who closed SBA loans with Loyal Trust Bank.
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