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
108
2010–2026
Total Volume
$160M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
108 total segments
U.S. Century Bank has a strong focus on 504 loans, making up 45% of their total SBA deals, significantly higher than the national average of around 18%. This indicates they are well-equipped to handle real estate-heavy transactions, which could be beneficial if you're looking to finance property.
With an average deal size of approximately $1.48 million, U.S. Century Bank is well-suited for mid-sized transactions. If your financing needs fall within the $1M-$5M range, this lender could be a great fit for your business.
The bank's year-over-year growth of 8% suggests they are expanding their lending capabilities. This trend may indicate a willingness to consider new borrowers, making it a good time to approach them for your SBA loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 49 504 loans, which use fixed SBA debenture rates.
States where U.S. Century Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Transportation & Warehousing
Transportation & Warehousing
Social Assistance
Health Care & Social Assistance
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for U.S. Century Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Manufacturing · $2M – $5M | 7(a) | 7 | P+2.25% | $3.3M | Q3 2025 |
| Florida · Wholesale Trade · $2M – $5M | 7(a) | 5 | P+2.25% | $3.5M | Q1 2025 |
| Florida · Transportation & Warehousing · $1M – $2M | 7(a) | 4 | P+2.38% | $1.7M | Q2 2024 |
| Florida · Wholesale Trade · $150K – $350K | 504 | 3 | — | $214K | Q1 2019 |
| Florida · Manufacturing · $500K – $1M | 7(a) | 3 | P+2.75% | $777K | Q3 2025 |
| Florida · Wholesale Trade · $500K – $1M | 7(a) | 3 | P+2.50% | $707K | Q3 2025 |
| Florida · Manufacturing · $1M – $2M | 7(a) | 3 | P+2.50% | $1.6M | Q3 2023 |
| Florida · Transportation & Warehousing · $150K – $350K | 504 | 3 | — | $223K | Q4 2019 |
| Florida · Auto Repair & Maintenance · $1M – $2M | 7(a) | 3 | P+2.50% | $1.6M | Q1 2022 |
| Florida · Wholesale Trade · $1M – $2M | 504 | 3 | — | $1.4M | Q1 2025 |
| Florida · Physician & Dental Offices · $500K – $1M | 504 | 2 | — | $697K | Q3 2020 |
| Florida · Transportation & Warehousing · $2M – $5M | 7(a) | 2 | P+2.38% | $4.0M | Q4 2022 |
| Florida · Auto Repair & Maintenance · $350K – $500K | 504 | 2 | — | $451K | Q3 2018 |
| Florida · Real Estate · $1M – $2M | 7(a) | 2 | P+2.00% | $1.4M | Q1 2024 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.75% | $325K | Q3 2021 |
| Florida · Nursing & Residential Care · $500K – $1M | 504 | 2 | — | $615K | Q2 2018 |
| Florida · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+1.75% | $1.7M | Q2 2022 |
| Florida · Social Assistance · $500K – $1M | 504 | 2 | — | $750K | Q2 2019 |
| Florida · Heavy & Civil Engineering · $2M – $5M | 7(a) | 2 | P+2.13% | $3.0M | Q1 2023 |
| Florida · Administrative & Waste Services · $2M – $5M | 7(a) | 1 | P+2.00% | $3.3M | Q3 2022 |
| Tennessee · Wholesale Trade · $150K – $350K | 7(a) | 1 | P+2.75% | $350K | Q3 2021 |
| Florida · Physician & Dental Offices · $150K – $350K | 504 | 1 | — | $295K | Q1 2025 |
| Florida · Wholesale Trade · Under $150K | 504 | 1 | — | $130K | Q4 2017 |
| Florida · Retail Trade · $150K – $350K | 504 | 1 | — | $234K | Q1 2021 |
| Florida · Wholesale Trade · $500K – $1M | 504 | 1 | — | $740K | Q2 2024 |
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Real experiences from borrowers who closed SBA loans with U.S. Century Bank.
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