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
190
2010–2025
Total Volume
$29M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
190 total segments
The Callaway Bank has a strong focus on startups, with 64% of their deals going to new businesses. This could be beneficial if you're a first-time borrower looking to start a venture.
With an average 7(a) spread of P+1.44%, The Callaway Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to lower overall borrowing costs for your loan.
The bank's growth trend shows a decline of 21% year-over-year, indicating they may be tightening their lending criteria. This could make it more challenging to secure a loan compared to previous years.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 14 504 loans, which use fixed SBA debenture rates.
States where The Callaway Bank 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
Personal Care (Salons, Spas)
Other Services
Retail Trade
Retail Trade
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
Other Professional Services
Professional Services
+ 7 more
All recorded SBA lending activity for The Callaway Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 17 | P+1.55% | $75K | Q3 2024 |
| Missouri · Retail Trade · Under $150K | 7(a) | 12 | P+2.00% | $57K | Q2 2019 |
| Missouri · Manufacturing · Under $150K | 7(a) | 11 | P+1.75% | $67K | Q2 2021 |
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 9 | P+2.00% | $61K | Q2 2020 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 9 | P+2.00% | $53K | Q2 2024 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 8 | P+2.00% | $270K | Q1 2023 |
| Missouri · Personal Care (Salons, Spas) · Under $150K | 7(a) | 8 | P+1.78% | $75K | Q1 2025 |
| Missouri · Other Repair & Services · Under $150K | 7(a) | 7 | P+1.50% | $52K | Q3 2023 |
| Missouri · General Merchandise · Under $150K | 7(a) | 5 | P+1.00% | $55K | Q1 2018 |
| Missouri · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+2.25% | $44K | Q4 2021 |
| Missouri · Arts, Entertainment & Recreation · Under $150K | 7(a) | 5 | P+1.50% | $37K | Q2 2024 |
| Missouri · Administrative & Waste Services · $150K – $350K | 7(a) | 4 | P+2.38% | $260K | Q1 2024 |
| Missouri · Management & IT Consulting · Under $150K | 7(a) | 4 | P+2.25% | $70K | Q3 2023 |
| Missouri · Building Construction · Under $150K | 7(a) | 4 | P+1.75% | $41K | Q4 2022 |
| Missouri · Finance & Insurance · Under $150K | 7(a) | 4 | P+1.07% | $51K | Q2 2020 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 4 | P+2.67% | $23K | Q3 2016 |
| Missouri · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+2.25% | $54K | Q1 2022 |
| Missouri · Social Assistance · Under $150K | 7(a) | 3 | P+2.25% | $45K | Q1 2025 |
| Missouri · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+1.00% | $457K | Q2 2024 |
| Missouri · Other Professional Services · Under $150K | 7(a) | 3 | P+2.00% | $42K | Q4 2014 |
| Missouri · Information & Media · Under $150K | 7(a) | 3 | P+2.75% | $27K | Q2 2016 |
| Missouri · Miscellaneous Retail · Under $150K | 7(a) | 3 | P+1.50% | $33K | Q4 2017 |
| Missouri · Hotels & Accommodation · $150K – $350K | 7(a) | 2 | P+1.57% | $207K | Q2 2021 |
| Missouri · Other Professional Services · $350K – $500K | 7(a) | 2 | P+1.75% | $475K | Q2 2023 |
| Missouri · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.45% | $307K | Q4 2018 |
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Real experiences from borrowers who closed SBA loans with The Callaway Bank.
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