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
83
2010–2026
Total Volume
$58M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
82 total segments
Most active in Texas (98% of deals) and focuses heavily on restaurants & food service (25% of deals).
27% of VERABANK NATIONAL ASSOCIATION's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
83 SBA loans worth $57.8M since FY2010, with deal volume up 63% over the prior year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 43 504 loans, which use fixed SBA debenture rates.
States where VERABANK NATIONAL ASSOCIATION has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Personal Care (Salons, Spas)
Other Services
Other Repair & Services
Other Services
+ 7 more
All recorded SBA lending activity for VERABANK NATIONAL ASSOCIATION, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.50% | $205K | Q2 2018 |
| Texas · Restaurants & Food Service · $1M – $2M | 504 | 4 | — | $1.6M | Q3 2025 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.25% | $109K | Q3 2017 |
| Texas · Restaurants & Food Service · $150K – $350K | 504 | 3 | — | $244K | Q3 2013 |
| Texas · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+2.50% | $259K | Q4 2025 |
| Texas · Manufacturing · $150K – $350K | 504 | 2 | — | $333K | Q1 2020 |
| Texas · Restaurants & Food Service · Under $150K | 504 | 2 | — | $118K | Q1 2014 |
| Texas · Wholesale Trade · $500K – $1M | 7(a) | 2 | P+1.50% | $660K | Q4 2025 |
| Texas · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+1.38% | $1.4M | Q3 2024 |
| Texas · Other Repair & Services · $500K – $1M | 504 | 1 | — | $758K | Q4 2025 |
| Texas · Auto Dealers & Parts · $1M – $2M | 504 | 1 | — | $1.2M | Q3 2023 |
| Texas · Specialty Trade Contractors · $500K – $1M | 504 | 1 | — | $524K | Q4 2023 |
| Texas · Other Services · $500K – $1M | 504 | 1 | — | $562K | Q4 2015 |
| Texas · Real Estate · $2M – $5M | 504 | 1 | — | $2.0M | Q3 2024 |
| Texas · Other Health Practitioners · $150K – $350K | 504 | 1 | — | $204K | Q4 2010 |
| Texas · Retail Trade · $500K – $1M | 504 | 1 | — | $562K | Q1 2021 |
| Missouri · Social Assistance · $500K – $1M | 504 | 1 | — | $738K | Q2 2010 |
| Texas · Manufacturing · $1M – $2M | 504 | 1 | — | $1.6M | Q3 2024 |
| Texas · Other Repair & Services · $150K – $350K | 504 | 1 | — | $320K | Q2 2012 |
| Texas · Information & Media · $2M – $5M | 504 | 1 | — | $2.2M | Q2 2011 |
| Texas · Other Professional Services · $350K – $500K | 504 | 1 | — | $449K | Q2 2022 |
| Texas · Restaurants & Food Service · $350K – $500K | 504 | 1 | — | $381K | Q3 2014 |
| Texas · Wholesale Trade · $500K – $1M | 504 | 1 | — | $890K | Q4 2021 |
| Texas · Restaurants & Food Service · $500K – $1M | 504 | 1 | — | $984K | Q2 2022 |
| Texas · Engineering & Architecture · $150K – $350K | 504 | 1 | — | $163K | Q4 2017 |
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