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
194
2010–2026
Total Volume
$74M
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a) & 504
194 total segments
Scale Bank has a strong focus on existing businesses, with 74% of their deals serving this purpose. This indicates they are well-suited for established companies seeking financing.
With an average 7(a) spread of P+1.36%, Scale Bank offers competitive pricing compared to the national median of ~P+2.75%. This can save borrowers money on interest over time.
Scale Bank's 20% share of 504 loans is above the national average of ~18%, indicating a solid capability in financing real estate and larger projects, which can benefit borrowers needing such funding.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 38 504 loans, which use fixed SBA debenture rates.
States where Scale Bank has recorded SBA lending activity.
+ 2 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Specialty Trade Contractors
Construction
Management & IT Consulting
Professional Services
Information & Media
Information & Media
Engineering & Architecture
Professional Services
Accounting & Tax
Professional Services
+ 7 more
All recorded SBA lending activity for Scale Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Minnesota · Manufacturing · Under $150K | 7(a) | 15 | P+2.00% | $97K | Q3 2025 |
| Minnesota · Manufacturing · $150K – $350K | 7(a) | 12 | P+2.25% | $244K | Q1 2022 |
| Minnesota · Management & IT Consulting · Under $150K | 7(a) | 10 | P+2.25% | $113K | Q3 2016 |
| Minnesota · Administrative & Waste Services · Under $150K | 7(a) | 9 | P+1.25% | $89K | Q3 2025 |
| Minnesota · Wholesale Trade · Under $150K | 7(a) | 8 | P+2.38% | $73K | Q3 2021 |
| Minnesota · Information & Media · Under $150K | 7(a) | 7 | P+2.15% | $101K | Q2 2017 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 7 | P+2.00% | $103K | Q2 2023 |
| Minnesota · Engineering & Architecture · Under $150K | 7(a) | 6 | P+2.00% | $73K | Q2 2023 |
| Minnesota · Manufacturing · $1M – $2M | 504 | 5 | — | $1.2M | Q4 2024 |
| Minnesota · Manufacturing · $500K – $1M | 7(a) | 5 | P+1.00% | $742K | Q4 2025 |
| Minnesota · Manufacturing · $350K – $500K | 7(a) | 5 | P+1.65% | $470K | Q2 2016 |
| Minnesota · Wholesale Trade · $150K – $350K | 7(a) | 4 | P+1.25% | $300K | Q1 2023 |
| Minnesota · Administrative & Waste Services · $150K – $350K | 7(a) | 4 | P+1.25% | $249K | Q3 2021 |
| Minnesota · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+1.00% | $318K | Q2 2023 |
| Minnesota · Manufacturing · $1M – $2M | 7(a) | 3 | P+1.50% | $1.3M | Q2 2017 |
| Minnesota · Wholesale Trade · $1M – $2M | 7(a) | 3 | P+2.25% | $1.5M | Q1 2012 |
| Minnesota · Accounting & Tax · Under $150K | 7(a) | 3 | P+1.25% | $104K | Q2 2017 |
| Minnesota · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+0.38% | $263K | Q4 2023 |
| Minnesota · General Merchandise · Under $150K | 7(a) | 2 | P+2.63% | $40K | Q2 2019 |
| Minnesota · General Merchandise · $150K – $350K | 7(a) | 2 | P+1.13% | $270K | Q1 2021 |
| Minnesota · Management & IT Consulting · $150K – $350K | 7(a) | 2 | P+0.90% | $325K | Q2 2020 |
| Minnesota · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+2.00% | $327K | Q3 2012 |
| Minnesota · Laundry & Dry Cleaning · Under $150K | 7(a) | 2 | P+1.50% | $71K | Q2 2025 |
| Minnesota · Wholesale Trade · $350K – $500K | 7(a) | 2 | P+1.63% | $400K | Q3 2021 |
| Minnesota · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+1.63% | $102K | Q4 2021 |
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