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
170
2010–2026
Total Volume
$80M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
170 total segments
Town Bank has a significant 504 loan presence at 26%, which is above the national average of 18%. This indicates they are well-suited for real estate financing needs.
With an average 7(a) spread of P+1.45%, Town Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest.
The lender's focus is primarily on existing businesses, comprising 67% of their deals. If you're a startup or looking to acquire, you may face more competition for funding.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 44 504 loans, which use fixed SBA debenture rates.
States where Town Bank, National Association has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
Restaurants & Food Service
Accommodation & Food Services
Retail Trade
Retail Trade
Physician & Dental Offices
Health Care & Social Assistance
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Town Bank, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Manufacturing · $150K – $350K | 7(a) | 12 | P+2.50% | $272K | Q2 2023 |
| Wisconsin · Specialty Trade Contractors · $150K – $350K | 7(a) | 6 | P+1.75% | $275K | Q3 2024 |
| Wisconsin · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 5 | P+2.00% | $238K | Q3 2023 |
| Wisconsin · Manufacturing · $350K – $500K | 7(a) | 4 | P+1.95% | $409K | Q1 2024 |
| Wisconsin · Manufacturing · $500K – $1M | 7(a) | 4 | P+1.10% | $823K | Q4 2025 |
| Wisconsin · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.50% | $87K | Q4 2020 |
| Wisconsin · Specialty Trade Contractors · $500K – $1M | 7(a) | 3 | P+1.75% | $726K | Q1 2023 |
| Wisconsin · Manufacturing · $1M – $2M | 504 | 3 | — | $1.4M | Q2 2022 |
| Wisconsin · Specialty Trade Contractors · $350K – $500K | 504 | 3 | — | $448K | Q4 2023 |
| Wisconsin · Specialty Trade Contractors · $150K – $350K | 504 | 3 | — | $226K | Q3 2025 |
| Wisconsin · Auto Repair & Maintenance · $150K – $350K | 7(a) | 3 | P+1.70% | $227K | Q3 2025 |
| Illinois · Restaurants & Food Service · $500K – $1M | 504 | 3 | — | $605K | Q1 2010 |
| Wisconsin · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.25% | $68K | Q1 2010 |
| Wisconsin · Manufacturing · $150K – $350K | 504 | 3 | — | $243K | Q1 2022 |
| Wisconsin · General Merchandise · Under $150K | 7(a) | 3 | P+1.75% | $72K | Q1 2017 |
| Wisconsin · Wholesale Trade · $350K – $500K | 7(a) | 3 | P+1.00% | $455K | Q1 2024 |
| Wisconsin · Wholesale Trade · $500K – $1M | 7(a) | 3 | P+2.75% | $714K | Q4 2010 |
| Wisconsin · Retail Trade · Under $150K | 7(a) | 3 | P+1.00% | $81K | Q2 2024 |
| Wisconsin · Other Health Practitioners · Under $150K | 7(a) | 2 | P+1.50% | $90K | Q1 2022 |
| Wisconsin · Real Estate · $500K – $1M | 7(a) | 2 | P+2.38% | $650K | Q2 2014 |
| Wisconsin · Real Estate · $150K – $350K | 7(a) | 2 | P+1.22% | $205K | Q1 2018 |
| Wisconsin · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.00% | $38K | Q3 2020 |
| Wisconsin · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+0.48% | $240K | Q3 2025 |
| Wisconsin · Administrative & Waste Services · $350K – $500K | 7(a) | 2 | P+0.38% | $500K | Q1 2025 |
| Wisconsin · Other Professional Services · $150K – $350K | 7(a) | 2 | P+1.26% | $305K | Q4 2024 |
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