STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
4,981
2010–2026
Total Volume
$3.7B
Gross loan amounts
States Active
44
With recorded loans
Programs
7(a) & 504
4977 total segments
SouthState Bank has a significant presence in the restaurant and food service industry, with 692 deals. This indicates a strong specialization that could benefit borrowers in this sector.
With an average deal size of $739,124, SouthState Bank is well-suited for borrowers looking for mid-sized loans, particularly those in the $150K-$1M range, which comprises over 20% of their total deals.
Despite a 16% share of 504 loans, SouthState Bank's overall deal volume has dropped by 72% year-over-year, which may indicate a tightening of lending conditions and could make approval more challenging.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 820 504 loans, which use fixed SBA debenture rates.
Top 15 of 44 states where SouthState Bank, National Association has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Physician & Dental Offices
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Other Health Practitioners
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for SouthState Bank, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 40 | P+2.50% | $284K | Q4 2024 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 38 | P+2.75% | $257K | Q3 2024 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 34 | P+2.50% | $278K | Q3 2025 |
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 33 | P+2.00% | $649K | Q2 2025 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 30 | P+2.00% | $715K | Q3 2024 |
| Colorado · Restaurants & Food Service · $150K – $350K | 7(a) | 29 | P+2.25% | $252K | Q3 2022 |
| Florida · Specialty Trade Contractors · $150K – $350K | 7(a) | 29 | P+2.50% | $264K | Q3 2025 |
| Colorado · Restaurants & Food Service · $500K – $1M | 7(a) | 24 | P+2.25% | $658K | Q1 2022 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 23 | P+2.50% | $414K | Q3 2024 |
| Georgia · Restaurants & Food Service · $350K – $500K | 7(a) | 22 | P+2.50% | $430K | Q3 2025 |
| Florida · Specialty Trade Contractors · Under $150K | 7(a) | 22 | P+2.75% | $103K | Q3 2025 |
| Texas · Physician & Dental Offices · $500K – $1M | 7(a) | 20 | P+2.50% | $729K | Q3 2024 |
| Florida · Administrative & Waste Services · Under $150K | 7(a) | 20 | P+2.75% | $102K | Q4 2025 |
| Georgia · Hotels & Accommodation · $2M – $5M | 7(a) | 20 | P+1.75% | $3.2M | Q2 2018 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 20 | P+2.38% | $123K | Q2 2024 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 20 | P+2.25% | $745K | Q3 2024 |
| Georgia · Restaurants & Food Service · $1M – $2M | 7(a) | 19 | P+2.00% | $1.4M | Q4 2024 |
| Texas · Manufacturing · Under $150K | 7(a) | 19 | P+2.70% | $108K | Q4 2024 |
| Florida · Transportation & Warehousing · Under $150K | 7(a) | 19 | P+2.75% | $100K | Q2 2025 |
| Florida · Restaurants & Food Service · $500K – $1M | 504 | 18 | — | $693K | Q3 2024 |
| Florida · Specialty Trade Contractors · $500K – $1M | 7(a) | 17 | P+2.25% | $703K | Q4 2021 |
| Florida · Accounting & Tax · $150K – $350K | 7(a) | 17 | P+2.50% | $273K | Q3 2025 |
| Florida · Restaurants & Food Service · $1M – $2M | 7(a) | 17 | P+1.88% | $1.5M | Q4 2023 |
| Florida · Restaurants & Food Service · $350K – $500K | 7(a) | 17 | P+2.00% | $433K | Q3 2024 |
| North Carolina · Restaurants & Food Service · $150K – $350K | 7(a) | 16 | P+2.75% | $276K | Q2 2025 |
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Real experiences from borrowers who closed SBA loans with SouthState Bank, National Association.
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