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
166
2010–2026
Total Volume
$61M
Gross loan amounts
States Active
8
With recorded loans
Programs
7(a) & 504
166 total segments
Time Bank has a strong focus on existing businesses, with 79% of their deals serving this purpose. If you're an established business looking to expand, this lender could be a good fit.
With an average 7(a) spread of P+2.51%, Time Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money over the life of your loan.
Despite a diverse program mix, Time Bank's growth trend is declining at -11% YoY. This may indicate challenges in securing approval or funding, so be prepared for a potentially tougher lending process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 21 504 loans, which use fixed SBA debenture rates.
States where Time Bank has recorded SBA lending activity.
+ 3 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Other Professional Services
Professional Services
Retail Trade
Retail Trade
Administrative & Waste Services
Administrative & Waste Services
Management & IT Consulting
Professional Services
+ 7 more
All recorded SBA lending activity for Time Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Iowa · Restaurants & Food Service · Under $150K | 7(a) | 12 | P+4.00% | $65K | Q3 2012 |
| Iowa · Retail Trade · Under $150K | 7(a) | 10 | P+2.75% | $59K | Q1 2014 |
| Iowa · Auto Dealers & Parts · Under $150K | 7(a) | 6 | P+4.38% | $67K | Q3 2014 |
| Iowa · Wholesale Trade · Under $150K | 7(a) | 4 | P+3.63% | $73K | Q4 2012 |
| Illinois · Wholesale Trade · Under $150K | 7(a) | 4 | P+2.40% | $99K | Q4 2022 |
| Iowa · Other Professional Services · Under $150K | 7(a) | 4 | P+4.88% | $26K | Q1 2014 |
| Iowa · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.75% | $76K | Q2 2012 |
| Illinois · Building Construction · Under $150K | 7(a) | 3 | P+2.50% | $83K | Q2 2021 |
| Iowa · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+3.75% | $135K | Q4 2011 |
| Iowa · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.25% | $80K | Q2 2012 |
| Iowa · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+3.25% | $43K | Q2 2014 |
| Illinois · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+2.99% | $71K | Q1 2023 |
| Illinois · Physician & Dental Offices · $350K – $500K | 7(a) | 3 | P+2.25% | $480K | Q3 2024 |
| California · Management & IT Consulting · Under $150K | 7(a) | 2 | P+0.40% | $126K | Q4 2023 |
| California · Administrative & Waste Services · $500K – $1M | 7(a) | 2 | P+1.55% | $925K | Q4 2024 |
| Iowa · General Merchandise · Under $150K | 7(a) | 2 | P+4.38% | $65K | Q4 2012 |
| Iowa · Management & IT Consulting · Under $150K | 7(a) | 2 | P+3.50% | $57K | Q1 2012 |
| Iowa · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+3.88% | $228K | Q1 2015 |
| Iowa · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.00% | $414K | Q3 2018 |
| Iowa · Manufacturing · $150K – $350K | 7(a) | 2 | P+3.00% | $228K | Q4 2011 |
| Iowa · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+2.50% | $300K | Q3 2012 |
| Iowa · Real Estate · Under $150K | 7(a) | 2 | P+3.75% | $23K | Q1 2011 |
| Illinois · Management & IT Consulting · Under $150K | 7(a) | 2 | P+1.00% | $150K | Q2 2024 |
| Illinois · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.88% | $138K | Q1 2011 |
| Illinois · Laundry & Dry Cleaning · Under $150K | 7(a) | 2 | P+3.27% | $106K | Q1 2013 |
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