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
190
2010–2025
Total Volume
$52M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
190 total segments
State Bank Financial has a minimal 504 presence, with only 6 out of 190 total SBA deals being 504 loans. This indicates they primarily focus on 7(a) loans, which may be more suitable for businesses looking for working capital or refinancing rather than real estate financing.
With an average 7(a) spread of P+2.37%, State Bank Financial offers competitive pricing compared to the national median of P+2.75%. This could mean lower overall costs for borrowers seeking 7(a) loans.
The lender's deal size breakdown shows that 125 of their deals are under $150K, indicating a strong focus on smaller loans. If you're seeking a larger loan, this lender may not be the best fit, as their average deal size is $272,196.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 6 504 loans, which use fixed SBA debenture rates.
States where State Bank Financial has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
General Merchandise
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Agriculture & Forestry
Agriculture & Forestry
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for State Bank Financial, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Manufacturing · Under $150K | 7(a) | 18 | P+2.75% | $54K | Q1 2018 |
| Wisconsin · Specialty Trade Contractors · Under $150K | 7(a) | 17 | P+2.50% | $64K | Q3 2019 |
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.50% | $84K | Q2 2019 |
| Wisconsin · General Merchandise · Under $150K | 7(a) | 7 | P+2.75% | $70K | Q4 2021 |
| Wisconsin · Other Health Practitioners · Under $150K | 7(a) | 7 | P+2.75% | $51K | Q2 2015 |
| Wisconsin · Administrative & Waste Services · Under $150K | 7(a) | 6 | P+2.63% | $40K | Q3 2019 |
| Wisconsin · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.38% | $243K | Q2 2017 |
| Wisconsin · Retail Trade · Under $150K | 7(a) | 5 | P+2.75% | $74K | Q3 2017 |
| Wisconsin · Engineering & Architecture · Under $150K | 7(a) | 5 | P+2.75% | $43K | Q2 2016 |
| Wisconsin · Sporting Goods & Hobby · Under $150K | 7(a) | 5 | P+2.50% | $45K | Q2 2018 |
| Wisconsin · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+2.50% | $91K | Q3 2020 |
| Wisconsin · Social Assistance · Under $150K | 7(a) | 4 | P+2.63% | $69K | Q4 2022 |
| Wisconsin · Agriculture & Forestry · Under $150K | 7(a) | 4 | P+2.10% | $87K | Q1 2023 |
| Wisconsin · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.25% | $211K | Q4 2018 |
| Wisconsin · Manufacturing · $150K – $350K | 7(a) | 4 | P+2.50% | $243K | Q4 2015 |
| Wisconsin · Manufacturing · $350K – $500K | 7(a) | 4 | P+1.75% | $469K | Q4 2017 |
| Wisconsin · Agriculture & Forestry · $500K – $1M | 7(a) | 3 | P+2.10% | $633K | Q1 2016 |
| Minnesota · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+2.25% | $133K | Q3 2017 |
| Wisconsin · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+2.25% | $52K | Q4 2019 |
| Wisconsin · Other Health Practitioners · $150K – $350K | 7(a) | 3 | P+2.50% | $180K | Q3 2015 |
| Wisconsin · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.00% | $52K | Q1 2020 |
| Wisconsin · General Merchandise · $500K – $1M | 7(a) | 3 | P+2.75% | $628K | Q3 2017 |
| Wisconsin · Other Repair & Services · Under $150K | 7(a) | 2 | P+2.75% | $26K | Q3 2015 |
| Wisconsin · Other Professional Services · Under $150K | 7(a) | 2 | P+1.75% | $49K | Q1 2020 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+4.50% | $33K | Q3 2010 |
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