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
184
2010–2026
Total Volume
$121M
Gross loan amounts
States Active
9
With recorded loans
Programs
7(a) & 504
184 total segments
With 41% of their SBA deals being 504 loans, National Bank of Commerce is a strong choice for borrowers looking for real estate financing, unlike many lenders who focus solely on 7(a) loans.
The average spread for their 7(a) loans is P+2.00%, which is lower than the national median of P+2.75%. This could mean lower overall costs for borrowers compared to other lenders.
Despite their strong 504 activity, National Bank of Commerce has seen a 35% decline in deals year-over-year, which may indicate a tightening in lending criteria or reduced availability of funds.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 75 504 loans, which use fixed SBA debenture rates.
States where National Bank of Commerce has recorded SBA lending activity.
+ 4 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Food & Beverage Stores
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for National Bank of Commerce, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Minnesota · Manufacturing · $150K – $350K | 7(a) | 7 | P+2.25% | $319K | Q3 2025 |
| Minnesota · Restaurants & Food Service · Under $150K | 7(a) | 7 | P+2.25% | $110K | Q2 2024 |
| Minnesota · Hotels & Accommodation · $500K – $1M | 504 | 6 | — | $781K | Q2 2024 |
| Minnesota · Restaurants & Food Service · $500K – $1M | 7(a) | 4 | P+2.00% | $831K | Q1 2025 |
| Minnesota · Restaurants & Food Service · $150K – $350K | 504 | 4 | — | $293K | Q1 2024 |
| Minnesota · Hotels & Accommodation · $1M – $2M | 504 | 4 | — | $1.3M | Q4 2020 |
| Minnesota · Physician & Dental Offices · $350K – $500K | 504 | 4 | — | $450K | Q3 2019 |
| Minnesota · Wholesale Trade · $150K – $350K | 7(a) | 4 | P+2.63% | $262K | Q4 2015 |
| Minnesota · Manufacturing · $1M – $2M | 504 | 4 | — | $1.4M | Q4 2022 |
| Minnesota · Hotels & Accommodation · $150K – $350K | 504 | 4 | — | $309K | Q1 2022 |
| Minnesota · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.00% | $239K | Q1 2024 |
| Minnesota · Miscellaneous Retail · Under $150K | 7(a) | 3 | P+2.00% | $75K | Q1 2025 |
| Minnesota · Manufacturing · $1M – $2M | 7(a) | 3 | P+2.00% | $1.6M | Q4 2024 |
| Wisconsin · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.00% | $208K | Q2 2024 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.75% | $52K | Q2 2013 |
| Minnesota · Manufacturing · $500K – $1M | 504 | 3 | — | $928K | Q2 2022 |
| Minnesota · Manufacturing · $500K – $1M | 7(a) | 3 | P+2.00% | $916K | Q3 2024 |
| Minnesota · Manufacturing · Under $150K | 7(a) | 3 | P+2.50% | $77K | Q3 2024 |
| Minnesota · Manufacturing · $2M – $5M | 504 | 2 | — | $2.5M | Q3 2023 |
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+3.38% | $93K | Q4 2013 |
| Minnesota · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.63% | $440K | Q3 2025 |
| Minnesota · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+1.50% | $92K | Q1 2022 |
| Wisconsin · Retail Trade · Under $150K | 7(a) | 2 | P+5.50% | $14K | Q1 2010 |
| Minnesota · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.38% | $281K | Q2 2014 |
| Minnesota · Other Repair & Services · Under $150K | 7(a) | 2 | P+2.75% | $63K | Q2 2010 |
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Real experiences from borrowers who closed SBA loans with National Bank of Commerce.
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