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
230
2010–2026
Total Volume
$242M
Gross loan amounts
States Active
3
With recorded loans
Programs
504
227 total segments
Provident Business Financial is a 504-only lender, focusing entirely on real estate financing, which is a significant departure from the national average of 18% for 504 loans. This specialization makes them an excellent choice for borrowers looking for real estate investments or expansions.
With an average deal size of $1,064,551, Provident Business Financial primarily serves established businesses, as 80% of their deals are for existing businesses. This indicates they are well-suited for borrowers looking to finance expansions rather than startups.
The lender's growth trend shows a decline of 7% year-over-year, which could signal potential challenges in securing funding. Borrowers should be aware that this trend may affect approval rates or the lender's willingness to take on new projects.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 227 504 loans, which use fixed SBA debenture rates.
States where Provident Business Financial S has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Retail Trade
Retail Trade
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Auto Repair & Maintenance
Other Services
Other Repair & Services
Other Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Provident Business Financial S, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| South Carolina · Hotels & Accommodation · $2M – $5M | 504 | 12 | — | $3.3M | Q3 2025 |
| South Carolina · Restaurants & Food Service · $500K – $1M | 504 | 10 | — | $732K | Q1 2025 |
| South Carolina · Restaurants & Food Service · $150K – $350K | 504 | 9 | — | $231K | Q1 2022 |
| South Carolina · Restaurants & Food Service · $1M – $2M | 504 | 8 | — | $1.4M | Q2 2025 |
| South Carolina · Retail Trade · $1M – $2M | 504 | 8 | — | $1.6M | Q3 2022 |
| South Carolina · Arts, Entertainment & Recreation · $2M – $5M | 504 | 5 | — | $2.9M | Q2 2024 |
| South Carolina · Specialty Trade Contractors · $150K – $350K | 504 | 5 | — | $204K | Q1 2022 |
| South Carolina · Other Health Practitioners · $150K – $350K | 504 | 5 | — | $261K | Q3 2025 |
| South Carolina · Arts, Entertainment & Recreation · $1M – $2M | 504 | 4 | — | $1.4M | Q2 2022 |
| South Carolina · Other Health Practitioners · Under $150K | 504 | 4 | — | $128K | Q2 2022 |
| South Carolina · Auto Repair & Maintenance · $1M – $2M | 504 | 4 | — | $1.3M | Q2 2025 |
| South Carolina · Other Repair & Services · $150K – $350K | 504 | 4 | — | $248K | Q2 2024 |
| South Carolina · Accounting & Tax · $150K – $350K | 504 | 4 | — | $268K | Q1 2021 |
| South Carolina · Real Estate · $150K – $350K | 504 | 4 | — | $215K | Q4 2025 |
| South Carolina · Retail Trade · $350K – $500K | 504 | 4 | — | $401K | Q1 2022 |
| South Carolina · Manufacturing · $500K – $1M | 504 | 4 | — | $788K | Q3 2021 |
| South Carolina · Auto Repair & Maintenance · $150K – $350K | 504 | 3 | — | $278K | Q4 2021 |
| South Carolina · Physician & Dental Offices · Under $150K | 504 | 3 | — | $117K | Q2 2016 |
| South Carolina · Other Repair & Services · $500K – $1M | 504 | 3 | — | $649K | Q3 2023 |
| South Carolina · Manufacturing · $1M – $2M | 504 | 3 | — | $1.5M | Q4 2025 |
| South Carolina · Wholesale Trade · $150K – $350K | 504 | 3 | — | $224K | Q1 2024 |
| South Carolina · Wholesale Trade · $500K – $1M | 504 | 3 | — | $668K | Q3 2019 |
| South Carolina · Transportation & Warehousing · $1M – $2M | 504 | 3 | — | $1.6M | Q3 2021 |
| South Carolina · Real Estate · $2M – $5M | 504 | 3 | — | $3.0M | Q2 2025 |
| South Carolina · Hotels & Accommodation · $1M – $2M | 504 | 3 | — | $1.3M | Q4 2021 |
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Real experiences from borrowers who closed SBA loans with Provident Business Financial S.
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