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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
590
2010–2026
Total Volume
$323M
Gross loan amounts
States Active
12
With recorded loans
Programs
7(a) & 504
590 total segments
Western Commerce Bank has a strong focus on startups, with 53% of their deals going to new businesses. This could be beneficial if you're a first-time borrower looking for support in launching your venture.
The bank's average 7(a) spread is P+1.91%, which is lower than the national median of P+2.75%. This suggests that Western Commerce Bank offers competitive pricing, making it an attractive option for borrowers seeking favorable loan terms.
While Western Commerce Bank has a minimal 504 presence, with only 3% of their deals being 504 loans, this indicates that they primarily cater to 7(a) borrowers. If you're looking for real estate financing, you might want to consider other lenders with a stronger 504 focus.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 15 504 loans, which use fixed SBA debenture rates.
States where Western Commerce Bank has recorded SBA lending activity.
+ 7 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Mining & Oil/Gas
Mining & Oil/Gas
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Other Health Practitioners
Health Care & Social Assistance
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for Western Commerce Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New Mexico · Mining & Oil/Gas · Under $150K | 7(a) | 91 | P+3.96% | $68K | Q1 2024 |
| New Mexico · Mining & Oil/Gas · $150K – $350K | 7(a) | 41 | P+2.28% | $261K | Q3 2024 |
| New Mexico · Restaurants & Food Service · Under $150K | 7(a) | 20 | P+2.52% | $70K | Q3 2025 |
| New Mexico · Manufacturing · Under $150K | 7(a) | 19 | P+2.75% | $57K | Q1 2024 |
| New Mexico · Specialty Trade Contractors · Under $150K | 7(a) | 17 | P+4.00% | $76K | Q4 2024 |
| New Mexico · Hotels & Accommodation · $1M – $2M | 7(a) | 15 | P+1.42% | $1.3M | Q4 2025 |
| New Mexico · Transportation & Warehousing · Under $150K | 7(a) | 14 | P+2.54% | $74K | Q2 2025 |
| Texas · Hotels & Accommodation · $2M – $5M | 7(a) | 14 | P+1.50% | $3.6M | Q4 2024 |
| New Mexico · Mining & Oil/Gas · $350K – $500K | 7(a) | 13 | P+2.25% | $466K | Q4 2025 |
| New Mexico · Mining & Oil/Gas · $500K – $1M | 7(a) | 12 | P+2.25% | $698K | Q1 2024 |
| New Mexico · Hotels & Accommodation · $2M – $5M | 7(a) | 11 | P+1.50% | $2.6M | Q4 2022 |
| New Mexico · Manufacturing · $150K – $350K | 7(a) | 10 | P+1.50% | $241K | Q3 2024 |
| New Mexico · Restaurants & Food Service · $150K – $350K | 7(a) | 10 | P+2.00% | $232K | Q4 2024 |
| New Mexico · Auto Repair & Maintenance · Under $150K | 7(a) | 9 | P+3.75% | $85K | Q3 2024 |
| New Mexico · Mining & Oil/Gas · $1M – $2M | 7(a) | 9 | P+2.00% | $1.3M | Q3 2025 |
| New Mexico · Other Health Practitioners · Under $150K | 7(a) | 9 | P+1.25% | $78K | Q4 2025 |
| New Mexico · Specialty Trade Contractors · $150K – $350K | 7(a) | 8 | P+2.25% | $266K | Q4 2025 |
| New Mexico · Retail Trade · Under $150K | 7(a) | 8 | P+2.50% | $41K | Q3 2021 |
| New Mexico · Administrative & Waste Services · Under $150K | 7(a) | 7 | P+3.25% | $57K | Q4 2022 |
| New Mexico · Hotels & Accommodation · $500K – $1M | 7(a) | 7 | P+1.00% | $777K | Q3 2023 |
| New Mexico · Hotels & Accommodation · $150K – $350K | 7(a) | 6 | P+2.13% | $250K | Q3 2020 |
| New Mexico · Hotels & Accommodation · Under $150K | 7(a) | 6 | P+2.25% | $106K | Q3 2022 |
| New Mexico · Other Professional Services · Under $150K | 7(a) | 6 | P+3.82% | $59K | Q4 2023 |
| New Mexico · Other Health Practitioners · $150K – $350K | 7(a) | 6 | P+1.81% | $294K | Q1 2024 |
| New Mexico · Manufacturing · $350K – $500K | 7(a) | 6 | P+1.50% | $451K | Q1 2024 |
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