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
275
2010–2026
Total Volume
$192M
Gross loan amounts
States Active
8
With recorded loans
Programs
7(a) & 504
275 total segments
Wintrust Bank has a strong focus on 504 loans, making up 62% of their total SBA deals. This is significantly higher than the national average of around 18%. If you're looking for real estate financing, this lender is a solid choice.
With an average 7(a) spread of P+1.04%, Wintrust Bank offers competitive pricing compared to the national median of P+2.75%. This could mean lower overall costs for your loan.
The lender primarily serves existing businesses, with 80% of their deals going to this category. If you're a startup or looking to acquire a business, you may find less favorable terms here.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 170 504 loans, which use fixed SBA debenture rates.
States where WINTRUST BANK NATIONAL ASSOCIATION has recorded SBA lending activity.
+ 3 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Social Assistance
Health Care & Social Assistance
Food & Beverage Stores
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for WINTRUST BANK NATIONAL ASSOCIATION, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Illinois · Restaurants & Food Service · $150K – $350K | 504 | 11 | — | $237K | Q1 2025 |
| Illinois · Wholesale Trade · $500K – $1M | 504 | 8 | — | $724K | Q3 2025 |
| Illinois · Restaurants & Food Service · $500K – $1M | 504 | 7 | — | $633K | Q3 2025 |
| Illinois · Restaurants & Food Service · $350K – $500K | 504 | 6 | — | $379K | Q4 2024 |
| Illinois · Wholesale Trade · $1M – $2M | 504 | 5 | — | $1.4M | Q4 2024 |
| Illinois · Food & Beverage Stores · $150K – $350K | 504 | 5 | — | $265K | Q3 2025 |
| Illinois · Manufacturing · $1M – $2M | 504 | 4 | — | $1.2M | Q2 2025 |
| Illinois · Specialty Trade Contractors · $350K – $500K | 504 | 4 | — | $376K | Q2 2023 |
| Illinois · Manufacturing · Under $150K | 7(a) | 4 | P+2.00% | $82K | Q2 2017 |
| Illinois · Other Professional Services · $150K – $350K | 7(a) | 4 | P+2.13% | $234K | Q1 2017 |
| Illinois · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+1.38% | $218K | Q1 2024 |
| Illinois · Social Assistance · $500K – $1M | 504 | 4 | — | $572K | Q3 2025 |
| Illinois · Auto Repair & Maintenance · $150K – $350K | 504 | 4 | — | $227K | Q3 2023 |
| Illinois · Manufacturing · $500K – $1M | 504 | 4 | — | $785K | Q3 2025 |
| Illinois · Social Assistance · $150K – $350K | 504 | 4 | — | $260K | Q3 2024 |
| Illinois · Education · $150K – $350K | 504 | 3 | — | $289K | Q3 2021 |
| Illinois · Auto Repair & Maintenance · $500K – $1M | 504 | 3 | — | $805K | Q1 2021 |
| Illinois · Food & Beverage Stores · $500K – $1M | 504 | 3 | — | $719K | Q4 2022 |
| Illinois · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+0.00% | $702K | Q4 2022 |
| Illinois · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+1.00% | $93K | Q1 2024 |
| Illinois · Manufacturing · $2M – $5M | 7(a) | 3 | P+0.00% | $3.4M | Q2 2025 |
| Illinois · Other Health Practitioners · Under $150K | 7(a) | 3 | P+1.50% | $123K | Q2 2018 |
| Illinois · Engineering & Architecture · $150K – $350K | 7(a) | 3 | P+1.50% | $308K | Q4 2017 |
| Illinois · Restaurants & Food Service · $1M – $2M | 504 | 3 | — | $1.3M | Q1 2022 |
| Illinois · Other Professional Services · $150K – $350K | 504 | 3 | — | $257K | Q4 2020 |
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Real experiences from borrowers who closed SBA loans with WINTRUST BANK NATIONAL ASSOCIATION.
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