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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
83
2013–2025
Total Volume
$12M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a)
83 total segments
Most active in California (99% of deals) and focuses heavily on restaurants & food service (20% of deals).
With a median 7(a) spread of P + 3.01%, PCR Small Business Development prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
38% of PCR Small Business Development's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where PCR Small Business Development has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Miscellaneous Retail
Retail Trade
Personal Care (Salons, Spas)
Other Services
Other Health Practitioners
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Auto Dealers & Parts
Retail Trade
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for PCR Small Business Development, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · Under $150K | 7(a) | 10 | P+3.75% | $129K | Q1 2023 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+3.00% | $267K | Q3 2023 |
| California · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+3.13% | $120K | Q3 2024 |
| California · Manufacturing · Under $150K | 7(a) | 4 | P+2.88% | $107K | Q4 2022 |
| California · Food & Beverage Stores · Under $150K | 7(a) | 4 | P+3.00% | $79K | Q4 2021 |
| California · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+3.25% | $109K | Q2 2023 |
| California · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+3.25% | $117K | Q4 2024 |
| California · Wholesale Trade · Under $150K | 7(a) | 3 | P+3.00% | $150K | Q3 2023 |
| California · Miscellaneous Retail · Under $150K | 7(a) | 3 | P+3.25% | $62K | Q4 2022 |
| California · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.75% | $122K | Q1 2024 |
| California · Auto Dealers & Parts · Under $150K | 7(a) | 3 | P+3.00% | $114K | Q3 2025 |
| California · Other Health Practitioners · Under $150K | 7(a) | 3 | P+3.00% | $58K | Q1 2025 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+3.50% | $150K | Q4 2016 |
| California · Accounting & Tax · Under $150K | 7(a) | 2 | P+2.63% | $63K | Q1 2023 |
| California · Management & IT Consulting · Under $150K | 7(a) | 2 | P+3.25% | $90K | Q2 2023 |
| California · Other Repair & Services · Under $150K | 7(a) | 2 | P+3.25% | $125K | Q4 2021 |
| California · Manufacturing · $150K – $350K | 7(a) | 2 | P+3.38% | $300K | Q3 2022 |
| California · Information & Media · Under $150K | 7(a) | 2 | P+3.13% | $44K | Q4 2020 |
| California · Information & Media · $150K – $350K | 7(a) | 2 | P+3.75% | $170K | Q1 2020 |
| California · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+0.13% | $71K | Q4 2024 |
| Nevada · Miscellaneous Retail · Under $150K | 7(a) | 1 | P+2.50% | $150K | Q3 2022 |
| California · Engineering & Architecture · $150K – $350K | 7(a) | 1 | P+3.00% | $250K | Q4 2022 |
| California · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+2.50% | $250K | Q2 2022 |
| California · General Merchandise · Under $150K | 7(a) | 1 | P+3.00% | $104K | Q3 2021 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 1 | P+4.00% | $250K | Q3 2020 |
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Real experiences from borrowers who closed SBA loans with PCR Small Business Development.
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