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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
955
2010–2026
Total Volume
$490M
Gross loan amounts
States Active
17
With recorded loans
Programs
7(a) & 504
955 total segments
Village Bank and Trust has a strong focus on existing businesses, with 63% of their deals serving this purpose. If you're looking to acquire or expand an established business, this lender could be a good fit.
With an average 7(a) spread of P+1.53%, Village Bank and Trust 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.
Although Village Bank and Trust has a 504 share of only 7%, indicating a minimal presence in that program, they still provide a balanced offering of both 7(a) and 504 loans. If you need a 504 loan, be aware that their focus is primarily on 7(a) deals.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 68 504 loans, which use fixed SBA debenture rates.
Top 15 of 17 states where Village Bank and Trust, National Association has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Transportation & Warehousing
Transportation & Warehousing
Food & Beverage Stores
Retail Trade
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for Village Bank and Trust, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Illinois · Restaurants & Food Service · $150K – $350K | 7(a) | 50 | P+1.75% | $274K | Q3 2025 |
| Illinois · Restaurants & Food Service · Under $150K | 7(a) | 35 | P+1.75% | $109K | Q3 2024 |
| Illinois · Specialty Trade Contractors · $150K – $350K | 7(a) | 29 | P+1.75% | $261K | Q4 2024 |
| Illinois · Specialty Trade Contractors · Under $150K | 7(a) | 28 | P+2.25% | $106K | Q2 2025 |
| Illinois · Wholesale Trade · Under $150K | 7(a) | 20 | P+2.13% | $102K | Q2 2019 |
| Illinois · Administrative & Waste Services · $150K – $350K | 7(a) | 18 | P+1.63% | $258K | Q1 2025 |
| Illinois · Food & Beverage Stores · $150K – $350K | 7(a) | 17 | P+1.75% | $285K | Q3 2025 |
| Illinois · Restaurants & Food Service · $350K – $500K | 7(a) | 16 | P+1.50% | $445K | Q4 2025 |
| Illinois · Administrative & Waste Services · Under $150K | 7(a) | 16 | P+1.88% | $99K | Q2 2021 |
| Illinois · Manufacturing · Under $150K | 7(a) | 15 | P+2.50% | $116K | Q4 2024 |
| Illinois · Transportation & Warehousing · $150K – $350K | 7(a) | 14 | P+2.00% | $262K | Q3 2023 |
| Illinois · Manufacturing · $150K – $350K | 7(a) | 14 | P+2.00% | $310K | Q2 2019 |
| Illinois · Restaurants & Food Service · $500K – $1M | 7(a) | 13 | P+1.75% | $788K | Q4 2025 |
| Illinois · Real Estate · $150K – $350K | 7(a) | 13 | P+2.25% | $248K | Q2 2019 |
| Illinois · Engineering & Architecture · Under $150K | 7(a) | 12 | P+1.75% | $114K | Q1 2019 |
| Illinois · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 12 | P+1.75% | $221K | Q4 2020 |
| Illinois · Personal Care (Salons, Spas) · Under $150K | 7(a) | 11 | P+2.25% | $97K | Q3 2017 |
| Illinois · Arts, Entertainment & Recreation · Under $150K | 7(a) | 10 | P+2.13% | $121K | Q2 2023 |
| Illinois · Auto Repair & Maintenance · $150K – $350K | 7(a) | 10 | P+2.25% | $262K | Q3 2025 |
| Illinois · Building Construction · $500K – $1M | 7(a) | 10 | P+1.88% | $777K | Q3 2023 |
| Illinois · Wholesale Trade · $350K – $500K | 7(a) | 10 | P+1.75% | $455K | Q3 2023 |
| Illinois · Specialty Trade Contractors · $500K – $1M | 7(a) | 10 | P+1.50% | $724K | Q2 2025 |
| Illinois · Physician & Dental Offices · $150K – $350K | 7(a) | 9 | P+1.50% | $277K | Q2 2023 |
| Illinois · Other Professional Services · $150K – $350K | 7(a) | 9 | P+2.25% | $277K | Q1 2020 |
| Illinois · Wholesale Trade · $150K – $350K | 7(a) | 9 | P+2.00% | $269K | Q2 2024 |
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Real experiences from borrowers who closed SBA loans with Village Bank and Trust, National Association.
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