FAIR
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
75
2012–2025
Total Volume
$10M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a)
75 total segments
Most active in Delaware (79% of deals) and focuses heavily on restaurants & food service (17% of deals).
With a median 7(a) spread of P + 3.97%, True Access Capital Corporation prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
75 SBA loans worth $9.7M since FY2012, though deal volume has declined 43% from the prior year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where True Access Capital Corporation has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Personal Care (Salons, Spas)
Other Services
Administrative & Waste Services
Administrative & Waste Services
Retail Trade
Retail Trade
Education
Education
Transportation & Warehousing
Transportation & Warehousing
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for True Access Capital Corporation, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Delaware · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+4.00% | $114K | Q2 2024 |
| Delaware · Personal Care (Salons, Spas) · Under $150K | 7(a) | 7 | P+4.00% | $96K | Q4 2018 |
| Delaware · Education · Under $150K | 7(a) | 5 | P+4.00% | $97K | Q4 2024 |
| Delaware · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+4.00% | $106K | Q2 2022 |
| Delaware · Retail Trade · Under $150K | 7(a) | 4 | P+4.00% | $116K | Q3 2021 |
| Delaware · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+3.88% | $265K | Q3 2024 |
| Delaware · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+4.00% | $107K | Q2 2021 |
| Delaware · Other Health Practitioners · Under $150K | 7(a) | 3 | P+4.00% | $133K | Q2 2019 |
| Delaware · Sporting Goods & Hobby · Under $150K | 7(a) | 2 | P+4.00% | $91K | Q2 2018 |
| Pennsylvania · Retail Trade · Under $150K | 7(a) | 2 | P+3.88% | $68K | Q3 2018 |
| Pennsylvania · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+4.00% | $95K | Q2 2016 |
| Pennsylvania · Manufacturing · Under $150K | 7(a) | 2 | P+4.00% | $64K | Q1 2017 |
| Pennsylvania · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+4.00% | $48K | Q2 2016 |
| Delaware · Manufacturing · Under $150K | 7(a) | 1 | P+4.00% | $100K | Q2 2013 |
| Delaware · Manufacturing · $150K – $350K | 7(a) | 1 | P+4.00% | $210K | Q3 2012 |
| Delaware · Transportation & Warehousing · $150K – $350K | 7(a) | 1 | P+3.50% | $250K | Q2 2022 |
| Delaware · Finance & Insurance · Under $150K | 7(a) | 1 | P+4.00% | $150K | Q3 2018 |
| Delaware · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 1 | P+4.25% | $236K | Q4 2019 |
| Pennsylvania · Specialty Trade Contractors · Under $150K | 7(a) | 1 | P+4.00% | $70K | Q3 2013 |
| Pennsylvania · Food & Beverage Stores · Under $150K | 7(a) | 1 | P+3.75% | $50K | Q1 2016 |
| Pennsylvania · Social Assistance · Under $150K | 7(a) | 1 | P+4.00% | $116K | Q4 2015 |
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 1 | P+3.50% | $150K | Q4 2018 |
| Pennsylvania · Auto Repair & Maintenance · $150K – $350K | 7(a) | 1 | P+4.00% | $175K | Q1 2016 |
| Pennsylvania · Manufacturing · $150K – $350K | 7(a) | 1 | P+4.25% | $250K | Q4 2014 |
| Pennsylvania · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+3.75% | $250K | Q1 2016 |
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Real experiences from borrowers who closed SBA loans with True Access Capital Corporation.
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