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
86
2010–2026
Total Volume
$79M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
86 total segments
Most active in Alabama (90% of deals) and focuses heavily on restaurants & food service (13% of deals).
54% of SouthPoint Bank's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
86 SBA loans worth $79.2M since FY2010, though deal volume has declined 50% from the prior year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 42 504 loans, which use fixed SBA debenture rates.
States where SouthPoint Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Physician & Dental Offices
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Hotels & Accommodation
Accommodation & Food Services
Miscellaneous Retail
Retail Trade
Real Estate
Real Estate
Education
Education
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for SouthPoint Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Alabama · Real Estate · $150K – $350K | 504 | 3 | — | $213K | Q3 2025 |
| Alabama · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.25% | $312K | Q2 2022 |
| Florida · Physician & Dental Offices · $500K – $1M | 7(a) | 3 | P+2.50% | $759K | Q3 2021 |
| Alabama · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.25% | $111K | Q2 2024 |
| Alabama · Physician & Dental Offices · $350K – $500K | 504 | 3 | — | $439K | Q4 2021 |
| Alabama · Real Estate · $500K – $1M | 504 | 2 | — | $691K | Q1 2021 |
| Alabama · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $211K | Q4 2023 |
| Alabama · Arts, Entertainment & Recreation · $500K – $1M | 504 | 2 | — | $722K | Q1 2021 |
| Alabama · Engineering & Architecture · $2M – $5M | 7(a) | 2 | P+1.63% | $4.2M | Q1 2025 |
| Alabama · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+2.50% | $237K | Q2 2023 |
| Alabama · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+0.50% | $3.2M | Q2 2024 |
| Alabama · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.75% | $343K | Q4 2021 |
| Alabama · Other Repair & Services · $150K – $350K | 7(a) | 1 | P+2.25% | $249K | Q3 2024 |
| Alabama · Mining & Oil/Gas · $1M – $2M | 7(a) | 1 | P+2.75% | $1.9M | Q3 2010 |
| Alabama · Manufacturing · $2M – $5M | 7(a) | 1 | P+2.75% | $5.0M | Q3 2013 |
| Alabama · Wholesale Trade · $150K – $350K | 7(a) | 1 | P+2.00% | $171K | Q2 2024 |
| Alabama · Wholesale Trade · $2M – $5M | 7(a) | 1 | P+4.75% | $2.7M | Q3 2011 |
| Alabama · Transportation & Warehousing · $2M – $5M | 7(a) | 1 | P+1.25% | $2.4M | Q4 2023 |
| Alabama · Finance & Insurance · $1M – $2M | 7(a) | 1 | P+1.50% | $1.1M | Q4 2022 |
| Alabama · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+2.50% | $317K | Q4 2021 |
| Alabama · Administrative & Waste Services · $350K – $500K | 7(a) | 1 | P+2.50% | $453K | Q1 2022 |
| Alabama · Administrative & Waste Services · $500K – $1M | 7(a) | 1 | P+2.50% | $564K | Q2 2021 |
| Alabama · Education · $150K – $350K | 7(a) | 1 | P+-1.25% | $203K | Q2 2017 |
| Alabama · Education · $1M – $2M | 7(a) | 1 | P+1.75% | $1.4M | Q2 2022 |
| Alabama · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 1 | P+2.75% | $316K | Q4 2020 |
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