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
113
2010–2025
Total Volume
$113M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
112 total segments
SmartBank's strong 504 activity, making up 45% of their total deals, indicates they are well-suited for borrowers looking for real estate financing. This is significantly higher than the national average of around 18%.
With an average 7(a) spread of P+2.06%, SmartBank 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.
SmartBank's growth trend shows a 25% year-over-year increase in deals, suggesting they are expanding and may be more willing to lend. This could be a good time to approach them for financing.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 50 504 loans, which use fixed SBA debenture rates.
States where SmartBank has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Administrative & Waste Services
Administrative & Waste Services
Physician & Dental Offices
Health Care & Social Assistance
Personal Care (Salons, Spas)
Other Services
Auto Repair & Maintenance
Other Services
Auto Dealers & Parts
Retail Trade
+ 7 more
All recorded SBA lending activity for SmartBank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Tennessee · Hotels & Accommodation · $2M – $5M | 504 | 4 | — | $3.4M | Q3 2025 |
| Tennessee · Hotels & Accommodation · $1M – $2M | 504 | 4 | — | $1.8M | Q1 2024 |
| Tennessee · Hotels & Accommodation · $1M – $2M | 7(a) | 3 | P+2.00% | $1.6M | Q4 2015 |
| Alabama · Hotels & Accommodation · $2M – $5M | 504 | 3 | — | $3.4M | Q1 2022 |
| Tennessee · Administrative & Waste Services · $350K – $500K | 7(a) | 3 | P+2.75% | $364K | Q2 2015 |
| Tennessee · Hotels & Accommodation · $500K – $1M | 7(a) | 3 | P+2.00% | $950K | Q2 2016 |
| Tennessee · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.75% | $117K | Q2 2018 |
| Tennessee · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.50% | $890K | Q3 2017 |
| Tennessee · Restaurants & Food Service · $1M – $2M | 504 | 2 | — | $1.3M | Q3 2021 |
| Tennessee · Physician & Dental Offices · $1M – $2M | 504 | 2 | — | $1.6M | Q2 2013 |
| Tennessee · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.13% | $89K | Q3 2015 |
| Tennessee · Hotels & Accommodation · $150K – $350K | 7(a) | 2 | P+2.25% | $222K | Q1 2016 |
| Georgia · Auto Dealers & Parts · $150K – $350K | 7(a) | 1 | P+2.75% | $197K | Q2 2010 |
| Georgia · Gas Stations · $350K – $500K | 7(a) | 1 | P+2.00% | $447K | Q4 2010 |
| Georgia · Manufacturing · $350K – $500K | 7(a) | 1 | P+2.75% | $351K | Q2 2015 |
| Georgia · Wholesale Trade · $150K – $350K | 7(a) | 1 | P+2.25% | $327K | Q1 2017 |
| Georgia · Retail Trade · Under $150K | 7(a) | 1 | P+3.75% | $25K | Q1 2010 |
| Tennessee · Specialty Trade Contractors · Under $150K | 7(a) | 1 | P+2.00% | $125K | Q1 2013 |
| Tennessee · Specialty Trade Contractors · $150K – $350K | 7(a) | 1 | P+1.50% | $230K | Q4 2014 |
| Tennessee · Auto Dealers & Parts · $150K – $350K | 7(a) | 1 | P+2.00% | $178K | Q4 2014 |
| Tennessee · General Merchandise · Under $150K | 7(a) | 1 | P+2.50% | $55K | Q3 2012 |
| Tennessee · General Merchandise · $150K – $350K | 7(a) | 1 | P+2.75% | $201K | Q4 2011 |
| Tennessee · Accounting & Tax · Under $150K | 7(a) | 1 | P+1.00% | $58K | Q4 2016 |
| Tennessee · Management & IT Consulting · $1M – $2M | 7(a) | 1 | P+2.00% | $1.9M | Q2 2012 |
| Tennessee · Other Professional Services · $2M – $5M | 7(a) | 1 | P+1.50% | $5.0M | Q3 2012 |
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