STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
908
2010–2026
Total Volume
$1.5B
Gross loan amounts
States Active
36
With recorded loans
Programs
7(a) & 504
908 total segments
US Metro Bank is a strong choice for established businesses looking for funding, as 67% of their deals are for existing businesses, indicating a focus on supporting growth rather than startups.
With an average 7(a) spread of P+1.63%, US Metro Bank offers competitive pricing compared to the national median of P+2.75%, making them an attractive option for borrowers seeking lower interest rates.
The lender's impressive 268% year-over-year growth in SBA deals suggests they are expanding rapidly, which could mean more resources and support for borrowers in the near future.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 42 504 loans, which use fixed SBA debenture rates.
Top 15 of 36 states where US Metro Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Miscellaneous Retail
Retail Trade
Gas Stations
Retail Trade
Auto Repair & Maintenance
Other Services
Wholesale Trade
Wholesale Trade
Manufacturing
Manufacturing
+ 7 more
All recorded SBA lending activity for US Metro Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Hotels & Accommodation · $2M – $5M | 7(a) | 54 | P+1.25% | $3.9M | Q4 2025 |
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 45 | P+1.25% | $3.8M | Q4 2025 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 32 | P+2.00% | $759K | Q3 2025 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 27 | P+2.50% | $258K | Q4 2025 |
| California · Hotels & Accommodation · $1M – $2M | 7(a) | 22 | P+1.50% | $1.6M | Q4 2025 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 18 | P+2.13% | $413K | Q4 2025 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 16 | P+1.50% | $1.4M | Q4 2025 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 15 | P+2.00% | $713K | Q4 2025 |
| California · Miscellaneous Retail · $2M – $5M | 7(a) | 14 | P+1.50% | $3.6M | Q4 2025 |
| Washington · Hotels & Accommodation · $2M – $5M | 7(a) | 12 | P+1.25% | $4.2M | Q2 2024 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 12 | P+1.25% | $1.3M | Q4 2025 |
| California · Auto Repair & Maintenance · $500K – $1M | 7(a) | 12 | P+1.75% | $780K | Q2 2025 |
| California · Auto Repair & Maintenance · $1M – $2M | 7(a) | 11 | P+1.50% | $1.6M | Q2 2024 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 11 | P+2.00% | $293K | Q3 2025 |
| California · Hotels & Accommodation · $500K – $1M | 7(a) | 9 | P+1.50% | $727K | Q3 2025 |
| Texas · Hotels & Accommodation · $1M – $2M | 7(a) | 9 | P+1.25% | $1.5M | Q3 2025 |
| California · Wholesale Trade · $2M – $5M | 7(a) | 8 | P+1.00% | $4.0M | Q4 2025 |
| California · Nursing & Residential Care · $500K – $1M | 7(a) | 8 | P+1.75% | $795K | Q1 2025 |
| Texas · Gas Stations · $1M – $2M | 7(a) | 7 | P+1.75% | $1.6M | Q3 2020 |
| California · Other Health Practitioners · $500K – $1M | 7(a) | 7 | P+1.50% | $740K | Q3 2021 |
| Texas · Gas Stations · $500K – $1M | 7(a) | 7 | P+1.50% | $779K | Q3 2021 |
| California · Physician & Dental Offices · $500K – $1M | 7(a) | 7 | P+1.50% | $749K | Q4 2024 |
| California · Gas Stations · $1M – $2M | 7(a) | 7 | P+1.75% | $1.5M | Q1 2022 |
| California · Wholesale Trade · $350K – $500K | 7(a) | 6 | P+1.63% | $434K | Q4 2025 |
| California · Retail Trade · $500K – $1M | 7(a) | 6 | P+1.50% | $649K | Q2 2022 |
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