GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
WEAK
How many industries do they lend in? More = flexible.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
86
2018–2023
Total Volume
$15M
Gross loan amounts
States Active
26
With recorded loans
Programs
7(a)
86 total segments
Most active in Georgia (9% of deals) and focuses heavily on finance & insurance (98% of deals).
With a median 7(a) spread of P + 2.73%, Optus Bank prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
Finance & Insurance makes up 98% of Optus Bank's deals — 109.9x the national average. This is a clear specialist, not a generalist who happens to do some finance & insurance lending.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
Top 15 of 26 states where Optus Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 3 of 3 industries by deal count
Finance & Insurance
Finance & Insurance
Physician & Dental Offices
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
All recorded SBA lending activity for Optus Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Finance & Insurance · Under $150K | 7(a) | 7 | P+2.75% | $113K | Q1 2020 |
| Oklahoma · Finance & Insurance · Under $150K | 7(a) | 7 | P+2.75% | $110K | Q4 2019 |
| Nevada · Finance & Insurance · Under $150K | 7(a) | 5 | P+2.75% | $110K | Q3 2019 |
| Texas · Finance & Insurance · Under $150K | 7(a) | 5 | P+2.75% | $109K | Q3 2019 |
| Florida · Finance & Insurance · Under $150K | 7(a) | 4 | P+2.75% | $107K | Q4 2019 |
| Illinois · Finance & Insurance · Under $150K | 7(a) | 4 | P+2.75% | $119K | Q2 2019 |
| Oregon · Finance & Insurance · $150K – $350K | 7(a) | 3 | P+2.75% | $228K | Q3 2019 |
| Arizona · Finance & Insurance · Under $150K | 7(a) | 3 | P+2.75% | $102K | Q3 2019 |
| Alabama · Finance & Insurance · Under $150K | 7(a) | 3 | P+2.75% | $110K | Q1 2020 |
| Tennessee · Finance & Insurance · Under $150K | 7(a) | 3 | P+2.75% | $112K | Q2 2019 |
| Indiana · Finance & Insurance · Under $150K | 7(a) | 3 | P+2.75% | $100K | Q1 2019 |
| Oregon · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.75% | $104K | Q3 2018 |
| Colorado · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.75% | $101K | Q1 2019 |
| Louisiana · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.75% | $100K | Q1 2019 |
| Massachusetts · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.75% | $105K | Q4 2019 |
| Missouri · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.75% | $103K | Q2 2019 |
| Mississippi · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.75% | $100K | Q1 2019 |
| Ohio · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.75% | $113K | Q4 2019 |
| Tennessee · Finance & Insurance · $150K – $350K | 7(a) | 2 | P+2.75% | $252K | Q3 2019 |
| Virginia · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.63% | $105K | Q2 2019 |
| Arizona · Finance & Insurance · $350K – $500K | 7(a) | 1 | P+2.75% | $368K | Q3 2019 |
| Mississippi · Finance & Insurance · $150K – $350K | 7(a) | 1 | P+2.75% | $318K | Q3 2018 |
| North Carolina · Transportation & Warehousing · $150K – $350K | 7(a) | 1 | P+2.75% | $273K | Q2 2022 |
| North Carolina · Finance & Insurance · Under $150K | 7(a) | 1 | P+2.75% | $100K | Q4 2018 |
| New Mexico · Finance & Insurance · Under $150K | 7(a) | 1 | P+2.75% | $100K | Q2 2019 |
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Real experiences from borrowers who closed SBA loans with Optus Bank.
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