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
85
2010–2025
Total Volume
$33M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
85 total segments
Most active in Wisconsin (96% of deals) and focuses heavily on retail trade (15% of deals).
Retail Trade makes up 15% of River Bank's deals — 7.9x the national average. This is a clear specialist, not a generalist who happens to do some retail trade lending.
32% of River Bank's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 25 504 loans, which use fixed SBA debenture rates.
States where River Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Retail Trade
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Real Estate
Real Estate
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for River Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Retail Trade · Under $150K | 7(a) | 7 | P+2.25% | $70K | Q4 2015 |
| Wisconsin · Arts, Entertainment & Recreation · Under $150K | 7(a) | 5 | P+2.75% | $82K | Q4 2015 |
| Wisconsin · Manufacturing · Under $150K | 7(a) | 4 | P+1.50% | $76K | Q3 2018 |
| Wisconsin · Real Estate · $1M – $2M | 504 | 3 | — | $1.1M | Q2 2025 |
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+1.75% | $42K | Q1 2024 |
| Wisconsin · Real Estate · $500K – $1M | 504 | 3 | — | $787K | Q2 2021 |
| Wisconsin · Manufacturing · $150K – $350K | 7(a) | 3 | P+0.50% | $220K | Q2 2019 |
| Wisconsin · Retail Trade · $150K – $350K | 7(a) | 3 | P+2.75% | $233K | Q4 2016 |
| Wisconsin · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+4.25% | $168K | Q4 2011 |
| Wisconsin · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+2.25% | $31K | Q2 2017 |
| Wisconsin · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+1.00% | $45K | Q1 2016 |
| Wisconsin · Retail Trade · $150K – $350K | 504 | 2 | — | $223K | Q2 2012 |
| Wisconsin · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.25% | $61K | Q1 2025 |
| Wisconsin · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.75% | $265K | Q4 2020 |
| Wisconsin · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+1.25% | $397K | Q1 2025 |
| Wisconsin · Real Estate · $150K – $350K | 504 | 2 | — | $280K | Q2 2020 |
| Wisconsin · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+1.88% | $48K | Q4 2015 |
| Wisconsin · Building Construction · Under $150K | 7(a) | 2 | P+1.88% | $111K | Q1 2018 |
| Wisconsin · Manufacturing · $150K – $350K | 504 | 2 | — | $194K | Q3 2012 |
| Wisconsin · Auto Repair & Maintenance · $150K – $350K | 504 | 1 | — | $217K | Q1 2012 |
| Wisconsin · Specialty Trade Contractors · $150K – $350K | 504 | 1 | — | $284K | Q3 2012 |
| Wisconsin · Retail Trade · $500K – $1M | 504 | 1 | — | $559K | Q1 2010 |
| Wisconsin · Transportation & Warehousing · $350K – $500K | 504 | 1 | — | $445K | Q2 2010 |
| Wisconsin · Arts, Entertainment & Recreation · $1M – $2M | 504 | 1 | — | $1.2M | Q1 2024 |
| Minnesota · Miscellaneous Retail · $150K – $350K | 504 | 1 | — | $215K | Q2 2015 |
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