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
137
2010–2025
Total Volume
$41M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
137 total segments
South Central Bank has a strong focus on smaller deals, with 66% of their loans under $150K. If you're seeking a smaller loan, this lender may be a good fit.
With an average 7(a) spread of P+1.76%, South Central Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest.
The lender's 7% share of 504 loans indicates a minimal presence in this program. If you're looking for a 504 loan, consider other lenders with a stronger focus.
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.
States where South Central Bank, Inc. has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Administrative & Waste Services
Administrative & Waste Services
Food & Beverage Stores
Retail Trade
Retail Trade
Retail Trade
Sporting Goods & Hobby
Retail Trade
+ 7 more
All recorded SBA lending activity for South Central Bank, Inc., grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Kentucky · Restaurants & Food Service · Under $150K | 7(a) | 10 | P+2.30% | $71K | Q2 2023 |
| Kentucky · Specialty Trade Contractors · Under $150K | 7(a) | 9 | P+1.50% | $54K | Q1 2024 |
| Kentucky · Auto Repair & Maintenance · Under $150K | 7(a) | 8 | P+2.75% | $54K | Q1 2014 |
| Kentucky · Food & Beverage Stores · Under $150K | 7(a) | 7 | P+2.75% | $76K | Q1 2017 |
| Kentucky · Administrative & Waste Services · Under $150K | 7(a) | 6 | P+3.00% | $30K | Q2 2013 |
| Kentucky · Retail Trade · Under $150K | 7(a) | 5 | P+2.75% | $61K | Q1 2016 |
| Kentucky · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+2.13% | $51K | Q3 2021 |
| Kentucky · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+1.00% | $298K | Q1 2024 |
| Kentucky · Other Repair & Services · Under $150K | 7(a) | 4 | P+2.75% | $55K | Q2 2015 |
| Kentucky · Manufacturing · Under $150K | 7(a) | 4 | P+3.25% | $39K | Q1 2012 |
| Kentucky · Auto Dealers & Parts · Under $150K | 7(a) | 3 | P+2.75% | $77K | Q2 2014 |
| Kentucky · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.00% | $67K | Q4 2021 |
| Kentucky · Sporting Goods & Hobby · Under $150K | 7(a) | 3 | P+4.25% | $40K | Q2 2013 |
| Kentucky · Miscellaneous Retail · Under $150K | 7(a) | 3 | P+0.25% | $70K | Q3 2024 |
| Kentucky · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+2.00% | $40K | Q4 2016 |
| Kentucky · Administrative & Waste Services · $500K – $1M | 7(a) | 2 | P+0.75% | $776K | Q3 2024 |
| Kentucky · Legal Services · Under $150K | 7(a) | 2 | P+2.75% | $38K | Q1 2012 |
| Kentucky · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+2.75% | $93K | Q1 2014 |
| Kentucky · Social Assistance · Under $150K | 7(a) | 2 | P+2.75% | $103K | Q2 2011 |
| Kentucky · Manufacturing · $150K – $350K | 7(a) | 2 | P+3.75% | $200K | Q4 2013 |
| Kentucky · General Merchandise · Under $150K | 7(a) | 2 | P+3.63% | $95K | Q4 2009 |
| Kentucky · Agriculture & Forestry · Under $150K | 7(a) | 1 | P+2.30% | $63K | Q3 2013 |
| Kentucky · Agriculture & Forestry · $350K – $500K | 7(a) | 1 | P+2.75% | $494K | Q1 2011 |
| Kentucky · Agriculture & Forestry · $500K – $1M | 7(a) | 1 | P+2.75% | $635K | Q3 2010 |
| Kentucky · Manufacturing · $1M – $2M | 7(a) | 1 | P+1.00% | $1.4M | Q1 2022 |
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