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
99
2010–2025
Total Volume
$45M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
99 total segments
Valliance Bank has a notable focus on existing businesses, with 52% of their deals serving this purpose. This makes them a strong option if you're looking to expand or refinance an established business.
With an average 7(a) spread of P+1.71%, Valliance Bank offers competitive pricing compared to the national median of ~P+2.75%. This could lead to significant savings on your loan costs.
Valliance Bank has a 12% share of 504 loans, which is below the national average of ~18%. If you're specifically looking for 504 financing, be aware that their offerings in this area are limited.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 12 504 loans, which use fixed SBA debenture rates.
States where Valliance Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Finance & Insurance
Finance & Insurance
Physician & Dental Offices
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for Valliance Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Oklahoma · Manufacturing · Under $150K | 7(a) | 4 | P+1.75% | $75K | Q2 2021 |
| Oklahoma · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+1.50% | $49K | Q1 2020 |
| Oklahoma · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+1.00% | $83K | Q2 2021 |
| Oklahoma · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.00% | $254K | Q2 2019 |
| Oklahoma · Finance & Insurance · Under $150K | 7(a) | 3 | P+2.75% | $104K | Q1 2022 |
| Oklahoma · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.00% | $125K | Q2 2021 |
| Oklahoma · Other Health Practitioners · Under $150K | 7(a) | 2 | P+1.38% | $72K | Q1 2021 |
| Oklahoma · Wholesale Trade · $350K – $500K | 7(a) | 2 | P+1.38% | $450K | Q1 2025 |
| Oklahoma · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+1.13% | $70K | Q3 2022 |
| Oklahoma · Legal Services · Under $150K | 7(a) | 2 | P+1.53% | $55K | Q3 2018 |
| Oklahoma · Engineering & Architecture · Under $150K | 7(a) | 2 | P+2.38% | $65K | Q3 2021 |
| Oklahoma · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+1.75% | $75K | Q1 2020 |
| Oklahoma · Physician & Dental Offices · $500K – $1M | 7(a) | 2 | P+3.50% | $935K | Q3 2011 |
| Oklahoma · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+3.75% | $53K | Q1 2021 |
| Oklahoma · Finance & Insurance · $150K – $350K | 7(a) | 2 | P+1.88% | $247K | Q3 2021 |
| Oklahoma · Real Estate · Under $150K | 7(a) | 2 | P+1.50% | $46K | Q4 2019 |
| Oklahoma · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+1.00% | $253K | Q3 2021 |
| Oklahoma · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+0.63% | $117K | Q1 2023 |
| Texas · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+0.50% | $176K | Q1 2025 |
| Texas · Manufacturing · $150K – $350K | 7(a) | 2 | P+0.75% | $229K | Q1 2023 |
| Texas · Retail Trade · $150K – $350K | 7(a) | 2 | P+2.00% | $230K | Q4 2022 |
| Texas · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+1.63% | $289K | Q4 2019 |
| Oklahoma · Manufacturing · $150K – $350K | 7(a) | 1 | P+1.50% | $250K | Q4 2017 |
| Oklahoma · Manufacturing · $2M – $5M | 7(a) | 1 | P+1.75% | $3.9M | Q1 2019 |
| Oklahoma · Manufacturing · $500K – $1M | 7(a) | 1 | P+2.50% | $668K | Q3 2020 |
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