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First FDIC-insured bank to operate completely online, offering better rates and lower fees with 3% cash back on gas and 1% on all purchases. Expanding services in small business, commercial real estate, and government-guaranteed lending.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
expanding
As Of December 31, 2025
Median
$1.5M
Average
$1.9M
Sweet Spot
$1M-$2M
Industries with highest loan volume
Full-Service Restaurants
16
loans
$1.7M
avg. amount
Full-Service Restaurants
Loans
16
Avg. Amount
$1.7M
Plumbing, Heating, and Air-Conditioning Contractors
11
loans
$1.8M
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
Loans
11
Avg. Amount
$1.8M
All Other Specialty Trade Contractors
11
loans
$2.1M
avg. amount
All Other Specialty Trade Contractors
Loans
11
Avg. Amount
$2.1M
Landscaping Services
9
loans
$1.5M
avg. amount
Landscaping Services
Loans
9
Avg. Amount
$1.5M
Beer, Wine, and Liquor Retailers
9
loans
$705K
avg. amount
Beer, Wine, and Liquor Retailers
Loans
9
Avg. Amount
$705K
Limited-Service Restaurants
8
loans
$1.2M
avg. amount
Limited-Service Restaurants
Loans
8
Avg. Amount
$1.2M
Advertising Agencies
6
loans
$1.8M
avg. amount
Advertising Agencies
Loans
6
Avg. Amount
$1.8M
Marketing Consulting Services
6
loans
$1.5M
avg. amount
Marketing Consulting Services
Loans
6
Avg. Amount
$1.5M
Other Computer Related Services
6
loans
$1.6M
avg. amount
Other Computer Related Services
Loans
6
Avg. Amount
$1.6M
All Other Personal Services
5
loans
$2.2M
avg. amount
All Other Personal Services
Loans
5
Avg. Amount
$2.2M
10-Year Default Rate
1.9%
Percentile Ranking
89th
89th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.67% |
| $500K-$1M | Prime + 2.62% |
| $1M-$2M | Prime + 2.61% |
| $2M-$3M | Prime + 2.65% |
| $3M-$4M | Prime + 2.56% |
| $4M-$5M | Prime + 2.66% |
Spread over Prime at time of loan origination
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)