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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
238
2014–2026
Total Volume
$393M
Gross loan amounts
States Active
19
With recorded loans
Programs
7(a) & 504
238 total segments
Southwestern National Bank is a strong option for existing businesses, as 40% of their SBA deals support this category. This indicates a focus on established companies, making them a suitable lender for buyers looking to acquire existing operations.
With an average 7(a) spread of P+1.48%, Southwestern National Bank offers competitive pricing compared to the national median of P+2.75%. This lower spread can save borrowers significant interest costs over the life of their loans.
The lender has a minimal 504 presence, with only 1.3% of their deals being 504 loans. If you're looking for real estate financing, you may want to consider other lenders that specialize more in 504 loans.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 3 504 loans, which use fixed SBA debenture rates.
Top 15 of 19 states where Southwestern National Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Miscellaneous Retail
Retail Trade
Food & Beverage Stores
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Gas Stations
Retail Trade
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
Manufacturing
Manufacturing
+ 7 more
All recorded SBA lending activity for Southwestern National Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Gas Stations · $2M – $5M | 7(a) | 13 | P+1.25% | $2.8M | Q4 2021 |
| Texas · Miscellaneous Retail · $2M – $5M | 7(a) | 9 | P+1.25% | $3.4M | Q3 2025 |
| Texas · Gas Stations · $1M – $2M | 7(a) | 8 | P+1.38% | $1.6M | Q1 2021 |
| Texas · Hotels & Accommodation · $1M – $2M | 7(a) | 7 | P+1.25% | $1.5M | Q2 2024 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 7 | P+2.00% | $783K | Q1 2025 |
| Washington · Miscellaneous Retail · $1M – $2M | 7(a) | 6 | P+1.63% | $1.5M | Q4 2025 |
| Texas · Hotels & Accommodation · $2M – $5M | 7(a) | 6 | P+1.13% | $4.2M | Q4 2023 |
| Texas · Food & Beverage Stores · $500K – $1M | 7(a) | 6 | P+1.50% | $743K | Q4 2024 |
| Washington · Miscellaneous Retail · $2M – $5M | 7(a) | 5 | P+1.25% | $3.6M | Q1 2025 |
| Texas · Gas Stations · $500K – $1M | 7(a) | 5 | P+1.50% | $680K | Q1 2021 |
| California · Miscellaneous Retail · $2M – $5M | 7(a) | 5 | P+1.25% | $2.2M | Q4 2024 |
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 5 | P+1.25% | $3.4M | Q3 2025 |
| California · Miscellaneous Retail · $1M – $2M | 7(a) | 5 | P+1.50% | $1.5M | Q1 2025 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+1.50% | $717K | Q3 2024 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 5 | P+1.50% | $1.2M | Q4 2025 |
| Texas · Miscellaneous Retail · $1M – $2M | 7(a) | 4 | P+1.25% | $1.6M | Q3 2025 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 4 | P+2.00% | $280K | Q4 2024 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.00% | $254K | Q2 2025 |
| California · Building Construction · $500K – $1M | 7(a) | 3 | P+1.25% | $626K | Q3 2025 |
| Texas · Miscellaneous Retail · $500K – $1M | 7(a) | 3 | P+1.25% | $656K | Q3 2025 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.00% | $787K | Q2 2024 |
| Idaho · Miscellaneous Retail · $1M – $2M | 7(a) | 3 | P+1.25% | $1.5M | Q2 2025 |
| California · Auto Repair & Maintenance · $2M – $5M | 7(a) | 3 | P+1.00% | $3.5M | Q1 2024 |
| Texas · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 3 | P+2.00% | $230K | Q4 2019 |
| California · Food & Beverage Stores · $1M – $2M | 7(a) | 3 | P+1.25% | $1.2M | Q4 2023 |
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