STRONG
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
137
2010–2025
Total Volume
$49M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
137 total segments
Redwood Capital Bank has a strong focus on existing businesses, with 76% of their deals supporting established companies. This could be beneficial if you're looking to acquire or expand an existing business.
With an average 7(a) spread of P+1.36%, Redwood Capital Bank offers competitive pricing compared to the national median of P+2.75%. This lower spread can save you money over the life of the loan.
The lender's growth trend shows a significant decline of 47% year-over-year in deal volume, which may indicate a tightening of lending criteria. This could make it more challenging to secure a loan as they adjust their portfolio.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 26 504 loans, which use fixed SBA debenture rates.
States where Redwood Capital Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Administrative & Waste Services
Administrative & Waste Services
Restaurants & Food Service
Accommodation & Food Services
Retail Trade
Retail Trade
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Real Estate
Real Estate
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for Redwood Capital Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Administrative & Waste Services · Under $150K | 7(a) | 16 | P+2.00% | $45K | Q4 2022 |
| California · Manufacturing · Under $150K | 7(a) | 8 | P+1.50% | $74K | Q1 2023 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.00% | $70K | Q3 2024 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+1.50% | $263K | Q2 2019 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+1.88% | $76K | Q2 2024 |
| California · Sporting Goods & Hobby · Under $150K | 7(a) | 4 | P+2.25% | $109K | Q1 2016 |
| California · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+1.25% | $43K | Q4 2022 |
| California · Heavy & Civil Engineering · $150K – $350K | 7(a) | 3 | P+1.50% | $255K | Q1 2025 |
| California · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+2.00% | $84K | Q1 2016 |
| California · Real Estate · Under $150K | 7(a) | 3 | P+2.00% | $100K | Q4 2019 |
| California · Other Health Practitioners · $150K – $350K | 7(a) | 3 | P+2.50% | $235K | Q4 2022 |
| California · General Merchandise · Under $150K | 7(a) | 2 | P+1.50% | $63K | Q1 2018 |
| California · Hotels & Accommodation · $500K – $1M | 7(a) | 2 | P+0.19% | $755K | Q3 2024 |
| California · Agriculture & Forestry · $150K – $350K | 7(a) | 2 | P+2.00% | $250K | Q4 2011 |
| California · Real Estate · $350K – $500K | 7(a) | 2 | P+1.56% | $440K | Q2 2021 |
| California · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $250K | Q1 2025 |
| California · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+1.63% | $68K | Q1 2018 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+0.25% | $650K | Q1 2023 |
| California · Retail Trade · Under $150K | 7(a) | 2 | P+1.75% | $75K | Q4 2016 |
| California · Retail Trade · $150K – $350K | 504 | 2 | — | $231K | Q4 2020 |
| California · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $229K | Q3 2021 |
| California · Retail Trade · $500K – $1M | 7(a) | 2 | P+2.00% | $625K | Q1 2016 |
| California · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+1.75% | $193K | Q1 2021 |
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+1.63% | $3.0M | Q3 2021 |
| California · Heavy & Civil Engineering · Under $150K | 7(a) | 2 | P+1.88% | $129K | Q1 2017 |
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Real experiences from borrowers who closed SBA loans with Redwood Capital Bank.
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