GOOD
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
239
2010–2026
Total Volume
$121M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
239 total segments
Monterey County Bank focuses heavily on existing businesses, with 45% of their deals supporting established companies. This is beneficial for borrowers looking to acquire or expand an existing operation.
With an average 7(a) spread of P+2.71%, Monterey County Bank offers competitive pricing compared to the national median of P+2.75%. This slight advantage can help borrowers save on interest costs over the life of their loan.
The lender has shown impressive growth, increasing their SBA deal volume by 150% year-over-year. This trend suggests they are actively expanding their lending capacity, which could mean better service and support for new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 3 504 loans, which use fixed SBA debenture rates.
States where Monterey County 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
Food & Beverage Stores
Retail Trade
Retail Trade
Retail Trade
Agriculture & Forestry
Agriculture & Forestry
Hotels & Accommodation
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Monterey County Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 32 | P+2.75% | $251K | Q3 2025 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 27 | P+2.75% | $101K | Q4 2019 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 9 | P+2.75% | $400K | Q2 2025 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 8 | P+2.75% | $641K | Q4 2021 |
| California · Transportation & Warehousing · Under $150K | 7(a) | 6 | P+2.75% | $132K | Q2 2016 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 5 | P+2.75% | $247K | Q3 2025 |
| California · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 4 | P+2.50% | $231K | Q1 2023 |
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 4 | P+2.00% | $3.2M | Q3 2014 |
| California · Agriculture & Forestry · $500K – $1M | 7(a) | 4 | P+2.75% | $636K | Q3 2023 |
| California · Retail Trade · $150K – $350K | 7(a) | 3 | P+2.75% | $218K | Q4 2013 |
| California · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 3 | P+2.75% | $210K | Q1 2025 |
| California · Food & Beverage Stores · $350K – $500K | 7(a) | 3 | P+2.50% | $405K | Q2 2018 |
| California · Agriculture & Forestry · Under $150K | 7(a) | 3 | P+2.75% | $145K | Q2 2016 |
| California · Agriculture & Forestry · $150K – $350K | 7(a) | 3 | P+2.75% | $233K | Q4 2019 |
| California · Manufacturing · Under $150K | 7(a) | 3 | P+2.75% | $75K | Q2 2012 |
| California · Manufacturing · $150K – $350K | 7(a) | 3 | P+2.75% | $320K | Q2 2024 |
| California · General Merchandise · $150K – $350K | 7(a) | 3 | P+2.75% | $229K | Q1 2015 |
| California · Hotels & Accommodation · $1M – $2M | 7(a) | 3 | P+2.00% | $1.6M | Q2 2014 |
| California · Retail Trade · Under $150K | 7(a) | 3 | P+2.75% | $107K | Q4 2011 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 3 | P+2.75% | $1.5M | Q1 2025 |
| California · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+2.75% | $142K | Q2 2012 |
| California · Gas Stations · Under $150K | 7(a) | 3 | P+2.75% | $77K | Q1 2014 |
| California · Auto Repair & Maintenance · $500K – $1M | 7(a) | 3 | P+2.75% | $578K | Q4 2020 |
| California · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 3 | P+2.75% | $1.4M | Q1 2025 |
| California · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+2.75% | $83K | Q1 2019 |
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 Monterey County Bank.
No reviews yet. Be the first to review Monterey County Bank.