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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,094
2010–2026
Total Volume
$880M
Gross loan amounts
States Active
13
With recorded loans
Programs
7(a) & 504
1091 total segments
Provident Bank has a strong focus on existing businesses, with 56% of their deals serving this purpose. This makes them a solid choice for established businesses looking to expand or refinance.
With an average 7(a) spread of P+2.25%, Provident 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.
Provident Bank has a diverse deal size breakdown, with a significant number of deals in the $500K-$1M range (272 deals). If you're seeking a loan in this range, they may be particularly well-suited to meet your needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 144 504 loans, which use fixed SBA debenture rates.
States where Provident Bank has recorded SBA lending activity.
+ 8 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Food & Beverage Stores
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Social Assistance
Health Care & Social Assistance
Laundry & Dry Cleaning
Other Services
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for Provident Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Food & Beverage Stores · $150K – $350K | 7(a) | 49 | P+2.25% | $282K | Q4 2022 |
| New York · Food & Beverage Stores · $350K – $500K | 7(a) | 32 | P+2.25% | $437K | Q3 2021 |
| New York · Food & Beverage Stores · $500K – $1M | 7(a) | 31 | P+2.25% | $745K | Q4 2025 |
| New Jersey · Food & Beverage Stores · $500K – $1M | 7(a) | 27 | P+2.75% | $718K | Q1 2025 |
| New Jersey · Restaurants & Food Service · $500K – $1M | 7(a) | 25 | P+2.25% | $691K | Q4 2025 |
| New Jersey · Restaurants & Food Service · $1M – $2M | 7(a) | 23 | P+2.25% | $1.5M | Q2 2025 |
| New Jersey · Restaurants & Food Service · $150K – $350K | 7(a) | 22 | P+2.75% | $260K | Q1 2025 |
| New Jersey · Food & Beverage Stores · $1M – $2M | 7(a) | 20 | P+2.13% | $1.5M | Q2 2025 |
| New Jersey · Laundry & Dry Cleaning · Under $150K | 7(a) | 18 | P+2.50% | $108K | Q3 2017 |
| New Jersey · Social Assistance · $500K – $1M | 7(a) | 17 | P+2.75% | $762K | Q1 2025 |
| New Jersey · Restaurants & Food Service · Under $150K | 7(a) | 17 | P+2.75% | $121K | Q3 2019 |
| New Jersey · Social Assistance · $350K – $500K | 7(a) | 17 | P+2.75% | $426K | Q3 2024 |
| New Jersey · Restaurants & Food Service · $350K – $500K | 7(a) | 15 | P+2.25% | $443K | Q2 2024 |
| New York · Laundry & Dry Cleaning · $150K – $350K | 7(a) | 14 | P+2.25% | $259K | Q3 2023 |
| New Jersey · Social Assistance · $150K – $350K | 7(a) | 13 | P+2.75% | $281K | Q2 2025 |
| New Jersey · Food & Beverage Stores · $350K – $500K | 7(a) | 13 | P+2.25% | $447K | Q4 2024 |
| New Jersey · Manufacturing · $500K – $1M | 7(a) | 10 | P+2.63% | $599K | Q1 2025 |
| New Jersey · Specialty Trade Contractors · Under $150K | 7(a) | 10 | P+2.75% | $98K | Q4 2024 |
| New Jersey · Food & Beverage Stores · $150K – $350K | 7(a) | 10 | P+2.25% | $263K | Q1 2019 |
| New Jersey · Laundry & Dry Cleaning · $150K – $350K | 7(a) | 10 | P+2.25% | $264K | Q4 2019 |
| New Jersey · Manufacturing · $150K – $350K | 7(a) | 10 | P+2.75% | $286K | Q4 2024 |
| New Jersey · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 9 | P+2.75% | $252K | Q1 2024 |
| New York · Laundry & Dry Cleaning · $500K – $1M | 7(a) | 9 | P+2.25% | $667K | Q3 2020 |
| New Jersey · Laundry & Dry Cleaning · $350K – $500K | 7(a) | 9 | P+2.75% | $433K | Q1 2019 |
| New Jersey · Manufacturing · $1M – $2M | 7(a) | 9 | P+2.50% | $1.3M | Q1 2024 |
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