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
90
2010–2025
Total Volume
$64M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
90 total segments
Most active in Oklahoma (79% of deals) and focuses heavily on restaurants & food service (33% of deals).
51% of SpiritBank's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
90 SBA loans worth $63.7M since FY2010, with relatively steady volume year-over-year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 4 504 loans, which use fixed SBA debenture rates.
States where SpiritBank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Finance & Insurance
Finance & Insurance
Administrative & Waste Services
Administrative & Waste Services
Wholesale Trade
Wholesale Trade
Hotels & Accommodation
Accommodation & Food Services
Specialty Trade Contractors
Construction
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for SpiritBank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 8 | P+2.25% | $273K | Q4 2022 |
| Oklahoma · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+1.75% | $93K | Q3 2023 |
| Oklahoma · Manufacturing · $1M – $2M | 7(a) | 4 | P+1.88% | $1.6M | Q3 2023 |
| Oklahoma · Manufacturing · $150K – $350K | 7(a) | 4 | P+1.00% | $283K | Q4 2023 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 4 | P+1.25% | $380K | Q2 2023 |
| Oklahoma · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.00% | $236K | Q2 2023 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+1.25% | $79K | Q3 2024 |
| Oklahoma · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.00% | $143K | Q3 2018 |
| Oklahoma · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.38% | $280K | Q3 2019 |
| Oklahoma · Management & IT Consulting · $150K – $350K | 7(a) | 2 | P+2.13% | $350K | Q2 2019 |
| Oklahoma · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.13% | $308K | Q1 2021 |
| Oklahoma · Auto Repair & Maintenance · $1M – $2M | 7(a) | 2 | P+1.75% | $1.0M | Q4 2021 |
| Oklahoma · Gas Stations · $500K – $1M | 7(a) | 2 | P+1.50% | $553K | Q4 2019 |
| Oklahoma · Manufacturing · $2M – $5M | 7(a) | 2 | P+0.15% | $2.6M | Q4 2023 |
| Oklahoma · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+1.50% | $218K | Q3 2022 |
| Oklahoma · Manufacturing · $350K – $500K | 7(a) | 2 | P+2.38% | $458K | Q2 2019 |
| Oklahoma · Legal Services · $150K – $350K | 7(a) | 2 | P+2.25% | $250K | Q2 2021 |
| Oklahoma · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+0.75% | $4.5M | Q2 2021 |
| Oklahoma · Finance & Insurance · Under $150K | 7(a) | 2 | P+1.25% | $83K | Q4 2022 |
| Oklahoma · Finance & Insurance · $150K – $350K | 7(a) | 2 | P+0.63% | $271K | Q3 2021 |
| Oklahoma · Finance & Insurance · $350K – $500K | 7(a) | 2 | P+2.25% | $410K | Q3 2021 |
| Oklahoma · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+1.63% | $277K | Q3 2023 |
| Oklahoma · Arts, Entertainment & Recreation · Under $150K | 7(a) | 1 | P+2.25% | $150K | Q3 2022 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+1.40% | $596K | Q3 2022 |
| Oklahoma · Hotels & Accommodation · $500K – $1M | 504 | 1 | — | $992K | Q2 2010 |
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