STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
2,640
2010–2026
Total Volume
$3.6B
Gross loan amounts
States Active
41
With recorded loans
Programs
7(a) & 504
2638 total segments
Metro City Bank has a strong focus on the food and beverage industry, with 506 deals in Food & Beverage Stores and 422 in Restaurants & Food Service. This specialization can be advantageous if you're in these sectors, as they understand the unique challenges and opportunities you face.
With an average 7(a) spread of P+1.64%, Metro City Bank offers competitive pricing compared to the national median of P+2.75%. This lower cost of borrowing can save you money over the life of your loan, making it a more attractive option for financing.
Despite a substantial total of 2,638 SBA deals, Metro City Bank's growth trend is declining at -14% year-over-year. This could indicate a tightening of lending standards or reduced appetite for new loans, which may affect your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 61 504 loans, which use fixed SBA debenture rates.
Top 15 of 41 states where Metro City Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Food & Beverage Stores
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Gas Stations
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Retail Trade
Retail Trade
Miscellaneous Retail
Retail Trade
Agriculture & Forestry
Agriculture & Forestry
+ 7 more
All recorded SBA lending activity for Metro City Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Food & Beverage Stores · $2M – $5M | 7(a) | 134 | P+1.00% | $3.8M | Q4 2025 |
| Georgia · Food & Beverage Stores · $1M – $2M | 7(a) | 75 | P+1.50% | $1.5M | Q2 2024 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 72 | P+2.00% | $243K | Q2 2025 |
| Texas · Gas Stations · $1M – $2M | 7(a) | 66 | P+1.75% | $1.4M | Q4 2021 |
| Texas · Auto Repair & Maintenance · $2M – $5M | 7(a) | 54 | P+1.00% | $3.5M | Q4 2025 |
| Georgia · Food & Beverage Stores · $500K – $1M | 7(a) | 53 | P+1.75% | $751K | Q3 2024 |
| Texas · Gas Stations · $500K – $1M | 7(a) | 50 | P+1.75% | $799K | Q1 2022 |
| Georgia · Gas Stations · $500K – $1M | 7(a) | 47 | P+2.00% | $766K | Q3 2021 |
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 47 | P+1.50% | $698K | Q3 2025 |
| Georgia · Gas Stations · $1M – $2M | 7(a) | 42 | P+1.75% | $1.4M | Q1 2022 |
| Georgia · Agriculture & Forestry · $1M – $2M | 7(a) | 41 | P+1.25% | $1.4M | Q2 2024 |
| Georgia · Auto Repair & Maintenance · $2M – $5M | 7(a) | 37 | P+1.00% | $3.1M | Q1 2025 |
| Georgia · Restaurants & Food Service · Under $150K | 7(a) | 36 | P+2.50% | $110K | Q4 2020 |
| Texas · Miscellaneous Retail · $1M – $2M | 7(a) | 33 | P+1.25% | $1.5M | Q4 2025 |
| Georgia · Restaurants & Food Service · $350K – $500K | 7(a) | 29 | P+1.75% | $445K | Q4 2024 |
| Georgia · Agriculture & Forestry · $2M – $5M | 7(a) | 29 | P+1.25% | $2.9M | Q3 2024 |
| Georgia · Agriculture & Forestry · $500K – $1M | 7(a) | 28 | P+1.75% | $738K | Q2 2023 |
| Georgia · Hotels & Accommodation · $2M – $5M | 7(a) | 26 | P+1.00% | $3.9M | Q4 2025 |
| Georgia · Food & Beverage Stores · $150K – $350K | 7(a) | 26 | P+2.25% | $244K | Q2 2022 |
| Texas · Gas Stations · $2M – $5M | 7(a) | 25 | P+1.25% | $2.8M | Q2 2022 |
| Georgia · Food & Beverage Stores · Under $150K | 7(a) | 25 | P+2.50% | $113K | Q3 2019 |
| Georgia · Laundry & Dry Cleaning · $150K – $350K | 7(a) | 22 | P+2.13% | $236K | Q1 2019 |
| Georgia · Retail Trade · Under $150K | 7(a) | 21 | P+2.50% | $119K | Q1 2017 |
| Georgia · Wholesale Trade · $1M – $2M | 7(a) | 21 | P+1.75% | $1.5M | Q3 2020 |
| Georgia · Auto Repair & Maintenance · $1M – $2M | 7(a) | 20 | P+1.25% | $1.6M | Q3 2022 |
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