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
130
2010–2026
Total Volume
$76M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
130 total segments
Wheaton Bank & Trust has a strong focus on 504 loans, making up 48% of their total SBA deals. This is significantly higher than the national average of around 18%. If you're considering real estate or equipment financing, this lender could be a great fit for your needs.
With an average 7(a) spread of P+1.30%, Wheaton Bank & Trust offers competitive pricing compared to the national median of P+2.75%. This lower spread could save you money on interest payments over the life of your loan.
The lender has seen a decline of 14% year-over-year in their SBA deal volume. This trend may indicate a tightening of lending standards, making it potentially more challenging to secure a loan. It's wise to prepare a strong application.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 62 504 loans, which use fixed SBA debenture rates.
States where Wheaton Bank & Trust Company, National Association has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Manufacturing
Manufacturing
Real Estate
Real Estate
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Other Professional Services
Professional Services
+ 7 more
All recorded SBA lending activity for Wheaton Bank & Trust Company, 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) | 4 | P+1.13% | $279K | Q2 2023 |
| Illinois · Specialty Trade Contractors · $350K – $500K | 7(a) | 4 | P+1.50% | $438K | Q2 2024 |
| Illinois · Management & IT Consulting · $150K – $350K | 504 | 4 | — | $276K | Q1 2024 |
| Illinois · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+1.75% | $257K | Q4 2022 |
| Illinois · Restaurants & Food Service · $150K – $350K | 504 | 4 | — | $270K | Q3 2023 |
| Illinois · Other Health Practitioners · $150K – $350K | 7(a) | 3 | P+1.25% | $342K | Q4 2025 |
| Illinois · Manufacturing · $350K – $500K | 504 | 3 | — | $426K | Q3 2021 |
| Illinois · Restaurants & Food Service · $500K – $1M | 504 | 3 | — | $679K | Q4 2021 |
| Illinois · Other Health Practitioners · $150K – $350K | 504 | 3 | — | $246K | Q3 2023 |
| Illinois · Real Estate · $150K – $350K | 504 | 3 | — | $272K | Q2 2020 |
| Illinois · Administrative & Waste Services · Under $150K | 504 | 2 | — | $138K | Q2 2023 |
| Illinois · Wholesale Trade · $350K – $500K | 7(a) | 2 | P+0.63% | $464K | Q3 2025 |
| Illinois · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.00% | $224K | Q2 2022 |
| Illinois · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.00% | $143K | Q4 2023 |
| Illinois · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+0.45% | $672K | Q4 2022 |
| Illinois · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.00% | $113K | Q4 2025 |
| Illinois · Specialty Trade Contractors · $150K – $350K | 504 | 2 | — | $307K | Q1 2022 |
| Illinois · Manufacturing · $1M – $2M | 504 | 2 | — | $1.5M | Q1 2024 |
| Illinois · Specialty Trade Contractors · $350K – $500K | 504 | 2 | — | $435K | Q2 2022 |
| Illinois · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+1.75% | $38K | Q4 2022 |
| Illinois · Physician & Dental Offices · $150K – $350K | 504 | 2 | — | $189K | Q4 2021 |
| Illinois · Legal Services · $150K – $350K | 7(a) | 2 | P+1.50% | $188K | Q1 2023 |
| Illinois · Other Health Practitioners · $350K – $500K | 7(a) | 2 | P+1.75% | $417K | Q2 2024 |
| Illinois · Manufacturing · $150K – $350K | 504 | 2 | — | $266K | Q1 2021 |
| Illinois · Real Estate · $350K – $500K | 7(a) | 2 | P+1.00% | $450K | Q4 2025 |
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Real experiences from borrowers who closed SBA loans with Wheaton Bank & Trust Company, National Association.
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