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
101
2011–2025
Total Volume
$151M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
101 total segments
Mega Bank has a strong focus on existing businesses, with 75% of their deals supporting acquisitions or expansions. This makes them a good fit for established companies looking to grow.
With an average 7(a) spread of P+1.71%, Mega Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Although Mega Bank has a presence in both 7(a) and 504 loans, their 504 share is only 7%, significantly below the national average of ~18%. If you're seeking a 504 loan, consider that they primarily focus on 7(a) financing.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 7 504 loans, which use fixed SBA debenture rates.
States where Mega 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
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Transportation & Warehousing
Transportation & Warehousing
Social Assistance
Health Care & Social Assistance
Gas Stations
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for Mega Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 7 | P+2.50% | $778K | Q3 2024 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+1.50% | $249K | Q3 2020 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 5 | P+1.75% | $1.5M | Q2 2024 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 5 | P+1.50% | $1.8M | Q2 2023 |
| California · Manufacturing · $2M – $5M | 7(a) | 3 | P+1.50% | $4.5M | Q3 2023 |
| California · Gas Stations · $2M – $5M | 7(a) | 3 | P+1.00% | $3.0M | Q3 2021 |
| California · Miscellaneous Retail · $2M – $5M | 7(a) | 3 | P+1.75% | $3.0M | Q3 2025 |
| California · Auto Repair & Maintenance · $1M – $2M | 7(a) | 3 | P+1.25% | $1.8M | Q3 2022 |
| California · Food & Beverage Stores · $1M – $2M | 7(a) | 3 | P+1.50% | $1.5M | Q2 2025 |
| California · Transportation & Warehousing · $500K – $1M | 7(a) | 2 | P+2.00% | $793K | Q2 2022 |
| California · Building Construction · $1M – $2M | 7(a) | 2 | P+2.00% | $1.6M | Q4 2023 |
| California · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.25% | $323K | Q4 2024 |
| California · Wholesale Trade · $2M – $5M | 7(a) | 2 | P+1.75% | $4.5M | Q3 2021 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+2.13% | $208K | Q2 2023 |
| California · Social Assistance · $1M – $2M | 7(a) | 2 | P+1.88% | $1.7M | Q3 2022 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+1.88% | $431K | Q3 2023 |
| California · Manufacturing · $500K – $1M | 7(a) | 2 | P+-0.63% | $814K | Q2 2023 |
| California · Restaurants & Food Service · $1M – $2M | 504 | 2 | — | $1.6M | Q1 2016 |
| California · Manufacturing · $1M – $2M | 7(a) | 2 | P+1.75% | $1.4M | Q2 2023 |
| California · Social Assistance · $500K – $1M | 7(a) | 2 | P+1.88% | $942K | Q4 2023 |
| California · Transportation & Warehousing · $1M – $2M | 7(a) | 2 | P+1.88% | $1.8M | Q4 2023 |
| California · Gas Stations · $1M – $2M | 7(a) | 2 | P+1.38% | $1.3M | Q1 2021 |
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+1.63% | $3.7M | Q1 2025 |
| California · Transportation & Warehousing · $350K – $500K | 7(a) | 1 | P+1.25% | $500K | Q2 2020 |
| California · Information & Media · $500K – $1M | 7(a) | 1 | P+1.50% | $825K | Q4 2024 |
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