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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
439
2010–2026
Total Volume
$630M
Gross loan amounts
States Active
22
With recorded loans
Programs
7(a) & 504
439 total segments
Royal Business Bank focuses heavily on existing businesses, with 55% of their deals serving this purpose. This makes them a strong choice for established companies looking for financing.
With an average 7(a) spread of P+1.86%, Royal Business 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.
Although Royal Business Bank has a minimal 504 presence, they are seeing a strong growth trend of +25% year-over-year. This indicates a lender on the rise, which may improve your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 9 504 loans, which use fixed SBA debenture rates.
Top 15 of 22 states where Royal Business Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Gas Stations
Retail Trade
Retail Trade
Retail Trade
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for Royal Business Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Wholesale Trade · $500K – $1M | 7(a) | 18 | P+2.00% | $811K | Q3 2020 |
| Texas · Hotels & Accommodation · $2M – $5M | 7(a) | 17 | P+2.00% | $3.9M | Q2 2019 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 16 | P+2.25% | $271K | Q4 2024 |
| Washington · Hotels & Accommodation · $2M – $5M | 7(a) | 14 | P+1.63% | $3.7M | Q4 2021 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 14 | P+2.13% | $286K | Q4 2025 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 13 | P+2.50% | $286K | Q3 2017 |
| California · Wholesale Trade · $2M – $5M | 7(a) | 13 | P+1.25% | $3.4M | Q2 2022 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 12 | P+2.50% | $133K | Q2 2025 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 11 | P+1.75% | $1.4M | Q3 2018 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 10 | P+2.13% | $1.4M | Q4 2025 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 10 | P+1.88% | $758K | Q2 2025 |
| California · Wholesale Trade · $350K – $500K | 7(a) | 10 | P+2.00% | $471K | Q4 2023 |
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 9 | P+1.50% | $3.6M | Q4 2021 |
| California · Food & Beverage Stores · $350K – $500K | 7(a) | 9 | P+2.00% | $458K | Q3 2025 |
| Nevada · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+2.63% | $123K | Q4 2017 |
| California · Wholesale Trade · Under $150K | 7(a) | 7 | P+2.00% | $143K | Q4 2017 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 7 | P+2.00% | $430K | Q2 2025 |
| California · Gas Stations · $1M – $2M | 7(a) | 6 | P+1.69% | $1.5M | Q4 2016 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+2.00% | $739K | Q2 2025 |
| Idaho · Hotels & Accommodation · $2M – $5M | 7(a) | 5 | P+1.75% | $3.4M | Q3 2019 |
| California · Gas Stations · $500K – $1M | 7(a) | 5 | P+2.25% | $778K | Q2 2021 |
| California · Food & Beverage Stores · $1M – $2M | 7(a) | 5 | P+1.00% | $1.5M | Q4 2024 |
| Nevada · Gas Stations · $2M – $5M | 7(a) | 5 | P+1.00% | $4.0M | Q4 2019 |
| California · Gas Stations · $2M – $5M | 7(a) | 5 | P+1.50% | $4.0M | Q3 2016 |
| Nevada · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.50% | $268K | Q1 2018 |
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