FAIR
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.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
10,604
2010–2026
Total Volume
$5.2B
Gross loan amounts
States Active
50
Incl. DC & territories
Programs
7(a)
10604 total segments
Readycap Lending is a 7(a)-only lender, focusing heavily on existing businesses, which make up 80% of their deals. This is beneficial for borrowers looking to expand or refinance established operations.
With an average 7(a) spread of P+3.62%, Readycap's pricing is higher than the national median of P+2.75%. Borrowers should consider this when evaluating their overall loan costs.
Readycap Lending has seen a significant decline in deal volume, down 41% year-over-year. This trend may indicate a tightening of lending standards, making it potentially harder for new applicants to secure loans.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
Top 15 of 51 states where Readycap Lending, LLC 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
Miscellaneous Retail
Retail Trade
Specialty Trade Contractors
Construction
Management & IT Consulting
Professional Services
Other Health Practitioners
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for Readycap Lending, LLC, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · Under $150K | 7(a) | 61 | P+6.50% | $63K | Q2 2025 |
| Florida · Management & IT Consulting · Under $150K | 7(a) | 56 | P+6.50% | $63K | Q4 2025 |
| California · Miscellaneous Retail · Under $150K | 7(a) | 52 | P+6.50% | $59K | Q4 2025 |
| California · Management & IT Consulting · Under $150K | 7(a) | 49 | P+6.50% | $67K | Q3 2025 |
| New York · Miscellaneous Retail · $350K – $500K | 7(a) | 48 | P+2.75% | $491K | Q2 2025 |
| Florida · Personal Care (Salons, Spas) · Under $150K | 7(a) | 45 | P+6.50% | $49K | Q4 2025 |
| California · Other Professional Services · Under $150K | 7(a) | 44 | P+6.50% | $55K | Q4 2025 |
| Florida · Specialty Trade Contractors · Under $150K | 7(a) | 43 | P+6.50% | $57K | Q4 2025 |
| California · Manufacturing · Under $150K | 7(a) | 43 | P+6.50% | $57K | Q3 2025 |
| Florida · Other Repair & Services · Under $150K | 7(a) | 43 | P+6.50% | $50K | Q4 2025 |
| California · Other Repair & Services · Under $150K | 7(a) | 42 | P+6.50% | $52K | Q4 2025 |
| Washington · Miscellaneous Retail · $2M – $5M | 7(a) | 41 | P+1.50% | $3.4M | Q4 2025 |
| Florida · Other Health Practitioners · Under $150K | 7(a) | 41 | P+6.50% | $61K | Q4 2025 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 38 | P+6.50% | $65K | Q4 2025 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 37 | P+6.50% | $48K | Q4 2025 |
| Texas · Management & IT Consulting · Under $150K | 7(a) | 37 | P+6.50% | $64K | Q2 2025 |
| California · Arts, Entertainment & Recreation · Under $150K | 7(a) | 36 | P+6.50% | $50K | Q4 2025 |
| California · Other Health Practitioners · Under $150K | 7(a) | 35 | P+6.50% | $59K | Q4 2025 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 35 | P+2.50% | $747K | Q3 2025 |
| California · Administrative & Waste Services · Under $150K | 7(a) | 34 | P+6.50% | $55K | Q4 2025 |
| California · Building Construction · Under $150K | 7(a) | 34 | P+6.50% | $56K | Q4 2025 |
| Florida · Accounting & Tax · Under $150K | 7(a) | 33 | P+6.50% | $55K | Q4 2025 |
| Texas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 33 | P+6.50% | $47K | Q4 2025 |
| Florida · Administrative & Waste Services · Under $150K | 7(a) | 33 | P+6.50% | $53K | Q3 2025 |
| California · Personal Care (Salons, Spas) · Under $150K | 7(a) | 32 | P+6.50% | $45K | Q4 2025 |
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Real experiences from borrowers who closed SBA loans with Readycap Lending, LLC.
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