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
248
2010–2025
Total Volume
$168M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
248 total segments
Village Bank has a notable 21% share of 504 loans, which is above the national average of about 18%. This indicates a strong capability in financing real estate and larger projects, making them a good option for borrowers looking to purchase property or expand existing facilities.
With an average 7(a) spread of P+1.81%, Village Bank offers competitive pricing compared to the national median of P+2.75%. This could result in lower overall borrowing costs for your loan, which is particularly beneficial for small businesses looking to maximize their financial resources.
Village Bank's growth trend shows a significant decline of 59% year-over-year in deal volume. This may indicate a tightening of lending practices, which could make it more challenging for new applicants to secure loans. If you're considering applying, be prepared for potentially stricter scrutiny.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 52 504 loans, which use fixed SBA debenture rates.
States where Village Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Food & Beverage Stores
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
Retail Trade
Retail Trade
General Merchandise
Retail Trade
+ 7 more
All recorded SBA lending activity for Village Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Minnesota · Specialty Trade Contractors · $500K – $1M | 7(a) | 9 | P+2.00% | $655K | Q4 2023 |
| Minnesota · Manufacturing · $150K – $350K | 7(a) | 7 | P+2.00% | $265K | Q3 2022 |
| Minnesota · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+2.00% | $243K | Q2 2024 |
| Minnesota · Manufacturing · $2M – $5M | 7(a) | 5 | P+0.05% | $3.0M | Q3 2025 |
| Minnesota · Specialty Trade Contractors · $150K – $350K | 7(a) | 5 | P+1.25% | $206K | Q2 2023 |
| Minnesota · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+1.50% | $107K | Q4 2023 |
| Minnesota · Transportation & Warehousing · Under $150K | 7(a) | 5 | P+2.00% | $81K | Q3 2019 |
| Minnesota · Manufacturing · $500K – $1M | 7(a) | 4 | P+1.50% | $666K | Q2 2024 |
| Minnesota · Manufacturing · $1M – $2M | 7(a) | 4 | P+1.63% | $1.6M | Q2 2024 |
| Minnesota · Administrative & Waste Services · $150K – $350K | 7(a) | 4 | P+1.00% | $211K | Q3 2023 |
| Minnesota · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+2.75% | $86K | Q3 2021 |
| Minnesota · General Merchandise · $150K – $350K | 7(a) | 4 | P+2.75% | $222K | Q4 2020 |
| Minnesota · Retail Trade · $150K – $350K | 7(a) | 4 | P+1.75% | $319K | Q1 2020 |
| Minnesota · Restaurants & Food Service · $2M – $5M | 7(a) | 4 | P+2.00% | $2.6M | Q2 2024 |
| Minnesota · Food & Beverage Stores · $350K – $500K | 7(a) | 4 | P+1.55% | $434K | Q1 2024 |
| Minnesota · Transportation & Warehousing · $1M – $2M | 7(a) | 3 | P+2.00% | $1.3M | Q1 2021 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+3.75% | $104K | Q4 2017 |
| Minnesota · Food & Beverage Stores · $150K – $350K | 7(a) | 3 | P+2.75% | $268K | Q3 2021 |
| Minnesota · Restaurants & Food Service · $500K – $1M | 504 | 3 | — | $730K | Q4 2024 |
| Minnesota · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.75% | $112K | Q2 2018 |
| Minnesota · General Merchandise · $350K – $500K | 7(a) | 3 | P+2.25% | $425K | Q2 2022 |
| Minnesota · Sporting Goods & Hobby · Under $150K | 7(a) | 3 | P+3.75% | $106K | Q3 2021 |
| Minnesota · Building Construction · $500K – $1M | 7(a) | 3 | P+1.50% | $683K | Q3 2022 |
| Minnesota · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+2.00% | $137K | Q1 2020 |
| Minnesota · Auto Repair & Maintenance · $350K – $500K | 7(a) | 2 | P+2.13% | $431K | Q3 2022 |
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