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.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,131
2010–2026
Total Volume
$1.2B
Gross loan amounts
States Active
33
With recorded loans
Programs
7(a) & 504
1131 total segments
PromiseOne Bank has a strong focus on the hospitality sector, with 355 deals in Hotels & Accommodation, making it a great choice for businesses in this industry.
With an average 7(a) spread of P+1.73%, PromiseOne Bank offers competitive pricing compared to the national median of P+2.75%, which could save you money on interest.
The bank's growth trend shows a significant increase of 59% year-over-year, indicating strong demand for their services and a potential willingness to lend more aggressively.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 7 504 loans, which use fixed SBA debenture rates.
Top 15 of 33 states where PromiseOne Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Gas Stations
Retail Trade
Agriculture & Forestry
Agriculture & Forestry
Retail Trade
Retail Trade
Wholesale Trade
Wholesale Trade
Miscellaneous Retail
Retail Trade
+ 7 more
All recorded SBA lending activity for PromiseOne Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 30 | P+2.00% | $270K | Q4 2024 |
| Georgia · Gas Stations · $500K – $1M | 7(a) | 24 | P+1.63% | $807K | Q4 2020 |
| Florida · Hotels & Accommodation · $500K – $1M | 7(a) | 21 | P+2.00% | $808K | Q1 2025 |
| Georgia · Hotels & Accommodation · $1M – $2M | 7(a) | 20 | P+2.00% | $1.5M | Q2 2025 |
| North Carolina · Hotels & Accommodation · $1M – $2M | 7(a) | 19 | P+1.50% | $1.5M | Q2 2025 |
| Georgia · Restaurants & Food Service · Under $150K | 7(a) | 18 | P+2.00% | $138K | Q4 2025 |
| Georgia · Hotels & Accommodation · $2M – $5M | 7(a) | 18 | P+1.25% | $3.8M | Q2 2025 |
| Florida · Hotels & Accommodation · $1M – $2M | 7(a) | 18 | P+2.00% | $1.4M | Q1 2025 |
| Florida · Hotels & Accommodation · $2M – $5M | 7(a) | 17 | P+1.50% | $3.3M | Q3 2021 |
| Ohio · Hotels & Accommodation · $1M – $2M | 7(a) | 16 | P+2.00% | $1.4M | Q1 2021 |
| Georgia · Agriculture & Forestry · $500K – $1M | 7(a) | 16 | P+1.50% | $826K | Q1 2022 |
| Georgia · Agriculture & Forestry · $1M – $2M | 7(a) | 15 | P+1.50% | $1.4M | Q3 2022 |
| Colorado · Hotels & Accommodation · $2M – $5M | 7(a) | 13 | P+1.25% | $3.0M | Q1 2020 |
| Georgia · Restaurants & Food Service · $350K – $500K | 7(a) | 12 | P+1.63% | $451K | Q1 2025 |
| Georgia · Food & Beverage Stores · $150K – $350K | 7(a) | 12 | P+2.13% | $280K | Q2 2020 |
| Georgia · Gas Stations · $1M – $2M | 7(a) | 11 | P+1.50% | $1.4M | Q2 2021 |
| Georgia · Hotels & Accommodation · $500K – $1M | 7(a) | 11 | P+2.00% | $792K | Q1 2019 |
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 11 | P+1.50% | $775K | Q4 2025 |
| South Carolina · Hotels & Accommodation · $2M – $5M | 7(a) | 10 | P+1.25% | $2.9M | Q3 2025 |
| Georgia · Food & Beverage Stores · $1M – $2M | 7(a) | 10 | P+1.50% | $1.6M | Q3 2023 |
| Texas · Gas Stations · $500K – $1M | 7(a) | 10 | P+1.38% | $716K | Q1 2019 |
| Texas · Gas Stations · $1M – $2M | 7(a) | 10 | P+1.38% | $1.4M | Q3 2021 |
| Texas · Hotels & Accommodation · $1M – $2M | 7(a) | 10 | P+1.50% | $1.4M | Q3 2024 |
| Georgia · Retail Trade · $150K – $350K | 7(a) | 10 | P+2.50% | $272K | Q1 2020 |
| Alabama · Hotels & Accommodation · $500K – $1M | 7(a) | 9 | P+2.00% | $803K | Q2 2021 |
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Real experiences from borrowers who closed SBA loans with PromiseOne Bank.
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