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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,827
2010–2026
Total Volume
$337M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
1827 total segments
Oriental Bank has a strong focus on existing businesses, with 58% of their deals supporting established companies. This is beneficial for borrowers looking to expand or refinance rather than start a new venture.
With a 504 share of 23%, Oriental Bank is more active in real estate financing compared to the national average of 18%. This makes them a solid choice for borrowers needing funds for property purchases or improvements.
Despite a strong presence in the market, Oriental Bank's growth trend shows a decline of 28% year-over-year. This could indicate potential challenges in securing funding, so borrowers should be prepared for a more competitive approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 427 504 loans, which use fixed SBA debenture rates.
States where Oriental Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Physician & Dental Offices
Health Care & Social Assistance
Other Health Practitioners
Health Care & Social Assistance
Restaurants & Food Service
Accommodation & Food Services
Retail Trade
Retail Trade
Wholesale Trade
Wholesale Trade
Manufacturing
Manufacturing
Food & Beverage Stores
Retail Trade
Building Construction
Construction
+ 7 more
All recorded SBA lending activity for Oriental Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| PR · Other Health Practitioners · Under $150K | 7(a) | 115 | P+2.75% | $53K | Q4 2025 |
| PR · Restaurants & Food Service · Under $150K | 7(a) | 82 | P+3.00% | $64K | Q2 2025 |
| PR · Physician & Dental Offices · Under $150K | 7(a) | 81 | P+2.50% | $71K | Q4 2025 |
| PR · Retail Trade · Under $150K | 7(a) | 77 | P+3.00% | $65K | Q2 2025 |
| PR · Physician & Dental Offices · Under $150K | 504 | 56 | — | $94K | Q1 2021 |
| PR · Wholesale Trade · Under $150K | 7(a) | 54 | P+3.25% | $66K | Q2 2025 |
| PR · Restaurants & Food Service · $150K – $350K | 7(a) | 53 | P+2.25% | $242K | Q3 2025 |
| PR · Physician & Dental Offices · $150K – $350K | 7(a) | 46 | P+1.50% | $233K | Q4 2025 |
| PR · Manufacturing · Under $150K | 7(a) | 46 | P+3.00% | $54K | Q3 2025 |
| PR · Building Construction · Under $150K | 7(a) | 45 | P+2.75% | $78K | Q3 2025 |
| PR · Physician & Dental Offices · $150K – $350K | 504 | 41 | — | $218K | Q4 2023 |
| PR · Auto Dealers & Parts · Under $150K | 7(a) | 35 | P+2.50% | $68K | Q2 2025 |
| PR · Food & Beverage Stores · Under $150K | 7(a) | 34 | P+2.75% | $60K | Q4 2025 |
| PR · Administrative & Waste Services · Under $150K | 7(a) | 32 | P+2.75% | $61K | Q3 2024 |
| PR · Engineering & Architecture · Under $150K | 7(a) | 30 | P+2.75% | $60K | Q3 2025 |
| PR · Other Health Practitioners · $150K – $350K | 7(a) | 29 | P+2.50% | $232K | Q2 2025 |
| PR · Specialty Trade Contractors · Under $150K | 7(a) | 28 | P+2.75% | $56K | Q4 2025 |
| PR · Other Professional Services · Under $150K | 7(a) | 27 | P+2.50% | $66K | Q3 2025 |
| PR · Personal Care (Salons, Spas) · Under $150K | 7(a) | 26 | P+2.50% | $67K | Q4 2024 |
| PR · Auto Repair & Maintenance · Under $150K | 7(a) | 24 | P+3.00% | $51K | Q3 2024 |
| PR · General Merchandise · Under $150K | 7(a) | 20 | P+3.50% | $60K | Q3 2021 |
| PR · Wholesale Trade · $150K – $350K | 7(a) | 20 | P+2.75% | $236K | Q3 2021 |
| PR · Miscellaneous Retail · Under $150K | 7(a) | 19 | P+2.50% | $58K | Q1 2025 |
| PR · Accounting & Tax · Under $150K | 7(a) | 18 | P+2.88% | $49K | Q3 2025 |
| PR · Transportation & Warehousing · Under $150K | 7(a) | 17 | P+3.00% | $51K | Q1 2023 |
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