GOOD
How competitive are their spreads? Lower = better for you.
FAIR
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
56
2010–2026
Total Volume
$40M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
56 total segments
Most active in Virginia (73% of deals) and focuses heavily on restaurants & food service (14% of deals).
With a median 7(a) spread of P + 2.58%, MainStreet Bank prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
39% of MainStreet 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 17 504 loans, which use fixed SBA debenture rates.
States where MainStreet 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
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Social Assistance
Health Care & Social Assistance
Auto Dealers & Parts
Retail Trade
Management & IT Consulting
Professional Services
Auto Repair & Maintenance
Other Services
Specialty Trade Contractors
Construction
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for MainStreet Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Virginia · Management & IT Consulting · Under $150K | 7(a) | 4 | P+2.50% | $75K | Q3 2010 |
| Virginia · Legal Services · Under $150K | 7(a) | 2 | P+2.38% | $88K | Q4 2024 |
| Virginia · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.13% | $255K | Q4 2022 |
| Virginia · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 2 | P+2.13% | $758K | Q2 2024 |
| Maryland · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.25% | $88K | Q1 2025 |
| Maryland · Food & Beverage Stores · Under $150K | 7(a) | 1 | P+2.25% | $100K | Q1 2021 |
| Maryland · Food & Beverage Stores · $500K – $1M | 7(a) | 1 | P+2.25% | $693K | Q1 2021 |
| Maryland · Social Assistance · Under $150K | 7(a) | 1 | P+2.25% | $35K | Q1 2019 |
| Maryland · Social Assistance · $500K – $1M | 7(a) | 1 | P+2.25% | $506K | Q1 2019 |
| Maryland · Arts, Entertainment & Recreation · Under $150K | 7(a) | 1 | P+2.00% | $90K | Q2 2016 |
| Virginia · Specialty Trade Contractors · Under $150K | 7(a) | 1 | P+2.75% | $100K | Q4 2025 |
| Virginia · Specialty Trade Contractors · $150K – $350K | 7(a) | 1 | P+2.50% | $175K | Q2 2025 |
| Virginia · Building Construction · $150K – $350K | 7(a) | 1 | P+2.75% | $200K | Q1 2022 |
| Virginia · Building Construction · $350K – $500K | 7(a) | 1 | P+2.25% | $500K | Q3 2010 |
| Virginia · Auto Dealers & Parts · $2M – $5M | 7(a) | 1 | P+3.00% | $4.1M | Q3 2019 |
| Virginia · Auto Dealers & Parts · $500K – $1M | 7(a) | 1 | P+2.25% | $750K | Q1 2010 |
| Virginia · Food & Beverage Stores · Under $150K | 7(a) | 1 | P+2.75% | $100K | Q1 2021 |
| Virginia · Accounting & Tax · $150K – $350K | 7(a) | 1 | P+2.25% | $324K | Q2 2020 |
| Virginia · Social Assistance · Under $150K | 7(a) | 1 | P+2.75% | $50K | Q3 2010 |
| Virginia · Restaurants & Food Service · $350K – $500K | 7(a) | 1 | P+2.25% | $400K | Q2 2010 |
| Virginia · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+2.75% | $530K | Q2 2022 |
| Virginia · Auto Repair & Maintenance · $2M – $5M | 7(a) | 1 | P+2.75% | $3.9M | Q1 2021 |
| Virginia · Manufacturing · $500K – $1M | 7(a) | 1 | P+2.50% | $520K | Q4 2009 |
| Virginia · Retail Trade · Under $150K | 7(a) | 1 | P+2.75% | $73K | Q4 2020 |
| Virginia · Information & Media · $150K – $350K | 7(a) | 1 | P+2.25% | $170K | Q4 2010 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with MainStreet Bank.
No reviews yet. Be the first to review MainStreet Bank.