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
169
2010–2026
Total Volume
$107M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
169 total segments
With 27% of their SBA deals being 504 loans, National Exchange Bank and Trust is a strong option for borrowers seeking real estate financing, especially compared to the national average of 18%.
The average spread for 7(a) loans at P+1.79% is significantly lower than the national median of P+2.75%, indicating that this lender offers competitive pricing for borrowers.
The lender's focus on existing businesses (68% of deals) suggests they are well-suited for established companies looking to expand, rather than startups or new ventures.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 46 504 loans, which use fixed SBA debenture rates.
States where National Exchange Bank and Trust has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
Food & Beverage Stores
Retail Trade
Auto Repair & Maintenance
Other Services
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for National Exchange Bank and Trust, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Restaurants & Food Service · $150K – $350K | 7(a) | 10 | P+1.75% | $250K | Q1 2023 |
| Wisconsin · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 5 | P+1.75% | $242K | Q2 2022 |
| Wisconsin · Manufacturing · $1M – $2M | 7(a) | 4 | P+1.75% | $1.5M | Q4 2021 |
| Wisconsin · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+2.13% | $131K | Q1 2020 |
| Wisconsin · Manufacturing · $150K – $350K | 7(a) | 3 | P+1.50% | $303K | Q2 2021 |
| Wisconsin · Food & Beverage Stores · $500K – $1M | 7(a) | 3 | P+1.00% | $586K | Q4 2024 |
| Wisconsin · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.25% | $103K | Q3 2021 |
| Wisconsin · Transportation & Warehousing · $150K – $350K | 7(a) | 3 | P+2.25% | $241K | Q1 2018 |
| Wisconsin · Manufacturing · $350K – $500K | 504 | 3 | — | $428K | Q1 2022 |
| Wisconsin · Auto Repair & Maintenance · $500K – $1M | 7(a) | 3 | P+1.25% | $652K | Q4 2024 |
| Wisconsin · Specialty Trade Contractors · $500K – $1M | 7(a) | 3 | P+1.50% | $776K | Q3 2021 |
| Wisconsin · Manufacturing · Under $150K | 7(a) | 3 | P+2.00% | $81K | Q2 2023 |
| Wisconsin · Transportation & Warehousing · $1M – $2M | 504 | 3 | — | $1.4M | Q4 2025 |
| Wisconsin · Manufacturing · $500K – $1M | 7(a) | 2 | P+1.25% | $660K | Q1 2018 |
| Wisconsin · Specialty Trade Contractors · $350K – $500K | 7(a) | 2 | P+1.63% | $472K | Q4 2019 |
| Wisconsin · Social Assistance · $150K – $350K | 7(a) | 2 | P+1.50% | $295K | Q2 2019 |
| Wisconsin · Transportation & Warehousing · $500K – $1M | 7(a) | 2 | P+2.13% | $709K | Q3 2014 |
| Wisconsin · Real Estate · Under $150K | 7(a) | 2 | P+2.75% | $138K | Q1 2018 |
| Wisconsin · Manufacturing · $350K – $500K | 7(a) | 2 | P+1.00% | $433K | Q4 2022 |
| Wisconsin · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+1.35% | $430K | Q4 2019 |
| Wisconsin · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+1.88% | $680K | Q2 2018 |
| Wisconsin · Arts, Entertainment & Recreation · $500K – $1M | 504 | 2 | — | $799K | Q3 2022 |
| Wisconsin · Hotels & Accommodation · $500K – $1M | 504 | 2 | — | $692K | Q4 2024 |
| Wisconsin · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+2.00% | $70K | Q4 2015 |
| Wisconsin · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.25% | $98K | Q4 2014 |
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Real experiences from borrowers who closed SBA loans with National Exchange Bank and Trust.
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