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
286
2010–2026
Total Volume
$208M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
286 total segments
Oxford Bank has a strong focus on existing businesses, with 57% of their deals supporting established companies. This makes them a solid choice if you're looking to expand or refinance an existing operation.
With an average 7(a) spread of P+2.04%, Oxford Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Oxford Bank's 15% share of 504 loans indicates they are well-equipped to handle real estate financing, making them a good option if your business needs involve property acquisition or improvement.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 42 504 loans, which use fixed SBA debenture rates.
States where Oxford Bank has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
Other Health Practitioners
Health Care & Social Assistance
Retail Trade
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for Oxford Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Restaurants & Food Service · $150K – $350K | 7(a) | 33 | P+2.00% | $269K | Q3 2025 |
| Michigan · Manufacturing · $150K – $350K | 7(a) | 11 | P+2.25% | $308K | Q2 2024 |
| Michigan · Restaurants & Food Service · $350K – $500K | 7(a) | 10 | P+2.38% | $411K | Q2 2025 |
| Michigan · Wholesale Trade · $150K – $350K | 7(a) | 7 | P+1.50% | $343K | Q4 2025 |
| Michigan · Manufacturing · $1M – $2M | 7(a) | 6 | P+2.25% | $1.6M | Q1 2021 |
| Michigan · Restaurants & Food Service · $500K – $1M | 7(a) | 6 | P+2.13% | $609K | Q1 2025 |
| Michigan · Retail Trade · $150K – $350K | 7(a) | 6 | P+1.50% | $323K | Q3 2024 |
| Michigan · Manufacturing · $500K – $1M | 7(a) | 6 | P+2.25% | $759K | Q1 2025 |
| Michigan · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 5 | P+2.25% | $1.4M | Q3 2023 |
| Michigan · Manufacturing · $2M – $5M | 504 | 5 | — | $2.9M | Q4 2024 |
| Michigan · Manufacturing · Under $150K | 7(a) | 5 | P+2.75% | $115K | Q2 2025 |
| Michigan · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 4 | P+2.25% | $288K | Q3 2023 |
| Michigan · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.75% | $60K | Q4 2025 |
| Michigan · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+3.00% | $84K | Q3 2025 |
| Michigan · Other Health Practitioners · Under $150K | 7(a) | 4 | P+2.25% | $93K | Q3 2025 |
| Michigan · Agriculture & Forestry · Under $150K | 7(a) | 3 | P+2.00% | $90K | Q3 2021 |
| Michigan · Agriculture & Forestry · $150K – $350K | 7(a) | 3 | P+2.00% | $258K | Q2 2021 |
| Michigan · Other Health Practitioners · $500K – $1M | 7(a) | 3 | P+2.25% | $730K | Q4 2021 |
| Michigan · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+2.50% | $255K | Q2 2025 |
| Michigan · Specialty Trade Contractors · $350K – $500K | 7(a) | 3 | P+1.50% | $461K | Q1 2024 |
| Michigan · Transportation & Warehousing · $150K – $350K | 7(a) | 3 | P+2.00% | $333K | Q2 2025 |
| Michigan · Restaurants & Food Service · $500K – $1M | 504 | 3 | — | $712K | Q3 2025 |
| Michigan · Engineering & Architecture · $150K – $350K | 7(a) | 3 | P+2.00% | $249K | Q4 2022 |
| Michigan · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+0.50% | $225K | Q2 2021 |
| Michigan · Specialty Trade Contractors · $1M – $2M | 7(a) | 2 | P+1.75% | $1.4M | Q3 2022 |
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