GOOD
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
169
2010–2026
Total Volume
$147M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
169 total segments
With 43% of its SBA deals being 504 loans, Southwest Heritage Bank is a strong choice for businesses looking for real estate financing, unlike many lenders who focus solely on 7(a) loans.
The bank's average spread for 7(a) loans is P+2.34%, which is lower than the national median of P+2.75%. This could save you money on interest compared to other lenders.
The lender has seen a significant decline in activity, with a -36% year-over-year trend. This may indicate a tightening of lending criteria, so be prepared for a potentially rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 73 504 loans, which use fixed SBA debenture rates.
States where Southwest Heritage Bank has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Hotels & Accommodation
Accommodation & Food Services
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Auto Repair & Maintenance
Other Services
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for Southwest Heritage Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Arizona · Restaurants & Food Service · $500K – $1M | 504 | 4 | — | $830K | Q1 2024 |
| Arizona · Manufacturing · $500K – $1M | 7(a) | 4 | P+2.38% | $700K | Q4 2022 |
| Arizona · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.50% | $294K | Q3 2019 |
| Arizona · Administrative & Waste Services · $150K – $350K | 7(a) | 4 | P+2.88% | $293K | Q2 2021 |
| Arizona · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.25% | $274K | Q3 2024 |
| Arizona · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.00% | $661K | Q2 2019 |
| Arizona · Restaurants & Food Service · $1M – $2M | 7(a) | 3 | P+2.75% | $1.4M | Q3 2024 |
| Arizona · Auto Repair & Maintenance · $1M – $2M | 504 | 3 | — | $1.4M | Q2 2022 |
| Arizona · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+0.38% | $266K | Q4 2019 |
| Arizona · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.25% | $325K | Q4 2020 |
| Arizona · Building Construction · $150K – $350K | 504 | 2 | — | $187K | Q1 2021 |
| Arizona · Manufacturing · $1M – $2M | 7(a) | 2 | P+2.00% | $1.8M | Q4 2022 |
| Arizona · Other Health Practitioners · $350K – $500K | 7(a) | 2 | P+1.75% | $453K | Q3 2021 |
| Arizona · Nursing & Residential Care · $1M – $2M | 504 | 2 | — | $1.8M | Q2 2022 |
| Arizona · Hotels & Accommodation · $500K – $1M | 504 | 2 | — | $761K | Q4 2021 |
| Arizona · Other Health Practitioners · $500K – $1M | 7(a) | 2 | P+1.88% | $768K | Q3 2020 |
| Arizona · Auto Repair & Maintenance · $500K – $1M | 7(a) | 2 | P+2.25% | $709K | Q3 2021 |
| Arizona · Manufacturing · $500K – $1M | 504 | 2 | — | $647K | Q3 2021 |
| Arizona · Personal Care (Salons, Spas) · $500K – $1M | 7(a) | 2 | P+2.88% | $843K | Q4 2021 |
| Arizona · Hotels & Accommodation · $2M – $5M | 504 | 2 | — | $3.0M | Q4 2024 |
| Arizona · Gas Stations · $1M – $2M | 7(a) | 2 | P+2.50% | $1.2M | Q1 2017 |
| Arizona · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+2.13% | $697K | Q1 2021 |
| Arizona · Transportation & Warehousing · $150K – $350K | 7(a) | 2 | P+2.25% | $253K | Q3 2020 |
| Arizona · Miscellaneous Retail · $500K – $1M | 7(a) | 2 | P+2.63% | $742K | Q4 2025 |
| Arizona · Other Health Practitioners · $1M – $2M | 504 | 2 | — | $1.3M | Q4 2018 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with Southwest Heritage Bank.
No reviews yet. Be the first to review Southwest Heritage Bank.