GOOD
How competitive are their spreads? Lower = better for you.
FAIR
Total SBA loans closed. More deals = more experience.
FAIR
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
19
2010–2025
Total Volume
$11M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
19 total segments
Most active in Illinois (74% of deals) and focuses heavily on restaurants & food service (37% of deals).
With a median 7(a) spread of P + 2.48%, SAUK VALLEY BANK & TRUST COMPANY prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
Restaurants & Food Service makes up 37% of SAUK VALLEY BANK & TRUST COMPANY's deals — 2.6x the national average. This is a clear specialist, not a generalist who happens to do some restaurants & food service lending.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 12 504 loans, which use fixed SBA debenture rates.
States where SAUK VALLEY BANK & TRUST COMPANY has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 11 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Other Repair & Services
Other Services
Administrative & Waste Services
Administrative & Waste Services
General Merchandise
Retail Trade
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
Specialty Trade Contractors
Construction
Information & Media
Information & Media
+ 3 more
All recorded SBA lending activity for SAUK VALLEY BANK & TRUST COMPANY, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Illinois · Restaurants & Food Service · $350K – $500K | 504 | 2 | — | $445K | Q2 2015 |
| Illinois · Retail Trade · $150K – $350K | 504 | 1 | — | $224K | Q1 2015 |
| Illinois · Manufacturing · $150K – $350K | 504 | 1 | — | $284K | Q1 2017 |
| Illinois · Restaurants & Food Service · $500K – $1M | 504 | 1 | — | $616K | Q4 2009 |
| Illinois · Arts, Entertainment & Recreation · $500K – $1M | 504 | 1 | — | $610K | Q3 2012 |
| Illinois · Hotels & Accommodation · $150K – $350K | 504 | 1 | — | $241K | Q3 2014 |
| Wisconsin · Restaurants & Food Service · $150K – $350K | 504 | 1 | — | $281K | Q3 2025 |
| Wisconsin · Specialty Trade Contractors · $350K – $500K | 504 | 1 | — | $418K | Q4 2019 |
| Illinois · Administrative & Waste Services · $1M – $2M | 504 | 1 | — | $1.1M | Q1 2020 |
| Virginia · Information & Media · $500K – $1M | 504 | 1 | — | $616K | Q3 2010 |
| Iowa · Restaurants & Food Service · $150K – $350K | 7(a) | 1 | P+2.50% | $268K | Q2 2014 |
| Iowa · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+2.75% | $700K | Q4 2009 |
| Illinois · General Merchandise · Under $150K | 7(a) | 1 | P+3.60% | $85K | Q2 2010 |
| Illinois · Restaurants & Food Service · $350K – $500K | 7(a) | 1 | P+1.25% | $411K | Q1 2022 |
| Illinois · Other Repair & Services · $150K – $350K | 7(a) | 1 | P+1.75% | $315K | Q2 2025 |
| Illinois · Other Repair & Services · $1M – $2M | 7(a) | 1 | P+2.75% | $1.6M | Q4 2009 |
| Illinois · Food & Beverage Stores · $500K – $1M | 504 | 1 | — | $839K | Q1 2010 |
| Illinois · Administrative & Waste Services · $1M – $2M | 7(a) | 1 | P+2.75% | $1.0M | Q3 2016 |
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