GOOD
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.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
147
2010–2024
Total Volume
$132M
Gross loan amounts
States Active
32
With recorded loans
Programs
7(a) & 504
147 total segments
Patriot Bank has a strong focus on startups, with 54% of their deals going to new businesses. If you're a first-time borrower, this could be a good fit for you.
With an average 7(a) spread of P+2.34%, Patriot Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest.
Patriot Bank's total volume of $132M across 147 deals indicates they are an active lender, but their 60% decline in year-over-year growth suggests they may be tightening lending criteria.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 9 504 loans, which use fixed SBA debenture rates.
Top 15 of 32 states where Patriot Bank, National Association has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Transportation & Warehousing
Transportation & Warehousing
Finance & Insurance
Finance & Insurance
Food & Beverage Stores
Retail Trade
Manufacturing
Manufacturing
Nursing & Residential Care
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Patriot Bank, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.50% | $653K | Q3 2022 |
| Massachusetts · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 2 | P+2.25% | $1.5M | Q1 2019 |
| California · Auto Repair & Maintenance · $2M – $5M | 7(a) | 2 | P+2.63% | $3.7M | Q1 2022 |
| Pennsylvania · Auto Repair & Maintenance · $500K – $1M | 7(a) | 2 | P+2.13% | $920K | Q1 2019 |
| Connecticut · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+2.75% | $187K | Q2 2021 |
| Connecticut · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.75% | $138K | Q2 2019 |
| New York · Food & Beverage Stores · $350K – $500K | 7(a) | 2 | P+2.75% | $455K | Q3 2020 |
| Florida · Food & Beverage Stores · $500K – $1M | 7(a) | 2 | P+2.38% | $809K | Q3 2023 |
| Connecticut · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+2.13% | $80K | Q2 2018 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.25% | $330K | Q3 2019 |
| Colorado · Food & Beverage Stores · $150K – $350K | 7(a) | 1 | P+2.50% | $342K | Q2 2022 |
| Colorado · Nursing & Residential Care · Under $150K | 7(a) | 1 | P+2.25% | $100K | Q4 2021 |
| Colorado · Nursing & Residential Care · $2M – $5M | 7(a) | 1 | P+2.50% | $3.5M | Q4 2021 |
| Colorado · Restaurants & Food Service · $350K – $500K | 7(a) | 1 | P+2.75% | $497K | Q3 2021 |
| Colorado · Auto Repair & Maintenance · $2M – $5M | 7(a) | 1 | P+2.50% | $4.4M | Q4 2022 |
| Colorado · Personal Care (Salons, Spas) · Under $150K | 7(a) | 1 | P+2.00% | $125K | Q2 2018 |
| Connecticut · Food & Beverage Stores · $150K – $350K | 7(a) | 1 | P+2.75% | $200K | Q3 2011 |
| Connecticut · Food & Beverage Stores · $350K – $500K | 7(a) | 1 | P+2.75% | $376K | Q3 2022 |
| Connecticut · Sporting Goods & Hobby · $500K – $1M | 7(a) | 1 | P+3.00% | $620K | Q4 2019 |
| Connecticut · Miscellaneous Retail · $150K – $350K | 7(a) | 1 | P+2.65% | $200K | Q1 2024 |
| Connecticut · Restaurants & Food Service · $150K – $350K | 7(a) | 1 | P+2.75% | $184K | Q1 2020 |
| Connecticut · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+2.75% | $514K | Q1 2015 |
| Connecticut · Personal Care (Salons, Spas) · Under $150K | 7(a) | 1 | P+2.75% | $30K | Q3 2018 |
| Connecticut · Manufacturing · Under $150K | 7(a) | 1 | P+2.75% | $125K | Q2 2021 |
| Connecticut · Manufacturing · $150K – $350K | 7(a) | 1 | P+2.75% | $250K | Q4 2009 |
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Real experiences from borrowers who closed SBA loans with Patriot Bank, National Association.
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