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
124
2010–2025
Total Volume
$98M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
124 total segments
Vantage Bank Texas has a strong focus on 504 loans, making up 36% of their total SBA deals, which is significantly higher than the national average of 18%. This indicates they are well-suited for borrowers looking to finance real estate or major equipment purchases.
With an average 7(a) spread of P+2.49%, Vantage Bank Texas offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender's growth trend shows a decline of 17% year-over-year, which may indicate a tightening in lending practices. Borrowers should be prepared for potentially stricter approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 45 504 loans, which use fixed SBA debenture rates.
States where Vantage Bank Texas has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Physician & Dental Offices
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
Hotels & Accommodation
Accommodation & Food Services
Building Construction
Construction
Other Repair & Services
Other Services
Sporting Goods & Hobby
Retail Trade
+ 7 more
All recorded SBA lending activity for Vantage Bank Texas, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 10 | P+1.63% | $256K | Q4 2022 |
| Texas · Restaurants & Food Service · $500K – $1M | 504 | 7 | — | $745K | Q3 2023 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+1.25% | $95K | Q2 2018 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+2.75% | $745K | Q1 2021 |
| Texas · Other Health Practitioners · $150K – $350K | 7(a) | 4 | P+1.88% | $236K | Q1 2019 |
| Texas · Transportation & Warehousing · $2M – $5M | 504 | 4 | — | $3.6M | Q2 2021 |
| Texas · Hotels & Accommodation · $2M – $5M | 504 | 3 | — | $4.3M | Q2 2023 |
| Texas · Restaurants & Food Service · $1M – $2M | 504 | 3 | — | $1.4M | Q3 2021 |
| Texas · Management & IT Consulting · Under $150K | 7(a) | 3 | P+3.75% | $150K | Q4 2017 |
| Texas · Other Repair & Services · $350K – $500K | 7(a) | 3 | P+2.50% | $416K | Q3 2018 |
| Texas · Building Construction · $150K – $350K | 7(a) | 3 | P+3.50% | $283K | Q4 2017 |
| Texas · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+2.50% | $92K | Q2 2019 |
| Texas · Physician & Dental Offices · $500K – $1M | 504 | 2 | — | $638K | Q2 2017 |
| Texas · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+1.75% | $1.6M | Q4 2021 |
| Texas · Real Estate · $2M – $5M | 7(a) | 2 | P+1.25% | $2.8M | Q1 2019 |
| Texas · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+2.75% | $110K | Q4 2015 |
| Texas · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+2.50% | $63K | Q4 2017 |
| Texas · Hotels & Accommodation · $500K – $1M | 504 | 2 | — | $727K | Q4 2014 |
| Texas · Physician & Dental Offices · $1M – $2M | 504 | 2 | — | $1.6M | Q4 2017 |
| Texas · Physician & Dental Offices · $2M – $5M | 504 | 2 | — | $2.3M | Q4 2024 |
| Texas · Hotels & Accommodation · $150K – $350K | 7(a) | 2 | P+2.75% | $269K | Q1 2019 |
| Texas · Other Services · $500K – $1M | 504 | 2 | — | $801K | Q1 2018 |
| Texas · Retail Trade · $150K – $350K | 7(a) | 2 | P+3.25% | $214K | Q2 2018 |
| Texas · Transportation & Warehousing · $350K – $500K | 7(a) | 1 | P+1.50% | $435K | Q2 2019 |
| Texas · Transportation & Warehousing · $500K – $1M | 7(a) | 1 | P+1.75% | $910K | Q3 2020 |
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