VelocitySBA
VelocitySBA is a non-bank SBA Preferred Lender headquartered in Costa Mesa, California, providing small business financing nationwide for real estate, equipment, working capital, debt refinance, and business acquisitions. One of fourteen licensed Small Business Lending Companies (SBLCs) approved by the U.S. Small Business Administration, the firm is affiliated with Velocity Vehicle Group and Crossroads Equipment Lease and Finance. Founded in 2015 (originally as Crossroads Small Business Solutions), VelocitySBA has grown into a $350 million SBA lending platform.
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VP, Business Development Officer
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (122 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
VelocitySBA ranks #12 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of VelocitySBA’s 7(a) acquisition lending falls in the $0-$500K range: 50 loans, 41.0% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 50 | 41.0% | |
| $500K-$1M | 38 | 31.1% | |
| $1M-$2M | 25 | 20.5% | |
| $2M-$3M | 5 | 4.1% | |
| $3M-$4M | 2 | 1.6% | |
| $4M-$5M | 2 | 1.6% |
Industries with highest loan volume
Beer, Wine, and Liquor Retailers
10
loans
$474K
avg. amount
Full-Service Restaurants
7
loans
$693K
avg. amount
Snack and Nonalcoholic Beverage Bars
6
loans
$443K
avg. amount
Drycleaning and Laundry Services (except Coin-Operated)
5
loans
$870K
avg. amount
General Automotive Repair
5
loans
$616K
avg. amount
Limited-Service Restaurants
4
loans
$474K
avg. amount
Automotive Body, Paint, and Interior Repair and Maintenance
4
loans
$1.4M
avg. amount
Janitorial Services
3
loans
$304K
avg. amount
Coin-Operated Laundries and Drycleaners
3
loans
$881K
avg. amount
Home Health Care Services
3
loans
$668K
avg. amount
10-Year
2.0%
Percentile Ranking
88th
88th percentile
VelocitySBA’s median variable rate is + 2.75%, against a market median of Prime + 1.88%, 88 above market.
It priced below the market median in 0 of the last 8 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.98% |
| $500K-$1M | Prime + 2.76% |
| $1M-$2M | Prime + 2.72% |
| $2M-$3M | Prime + 2.30% |
| $3M-$4M | Prime + 2.38% |
| $4M-$5M | Prime + 2.63% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q2 '24 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 8 |
| Q3 '24 | Prime + 2.63% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q4 '24 | Prime + 3.25% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 3 |
| Q2 '25 | Prime + 2.38% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q3 '25 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 11 |
| Q4 '25 | Prime + 3.00% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 16 |
| Q1 '26 | Prime + 2.63% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 12 |
| Q2 '26 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
VelocitySBA has originated 7(a) acquisition loans in 26 states, most actively in Colorado (25), Texas (20) and Florida (19). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Colorado | 25 | 20.5% |
| Texas | 20 | 16.4% |
| Florida | 19 | 15.6% |
| California | 16 | 13.1% |
| Illinois | 10 | 8.2% |
| South Carolina | 5 | 4.1% |
| Georgia | 3 | 2.5% |
| Missouri | 2 | 1.6% |
| Virginia | 2 | 1.6% |
| Nevada | 2 | 1.6% |
| Washington | 2 | 1.6% |
| Wisconsin | 2 | 1.6% |
| Michigan | 1 | 0.8% |
| Louisiana | 1 | 0.8% |
| Minnesota | 1 | 0.8% |
| Arkansas | 1 | 0.8% |
| Oklahoma | 1 | 0.8% |
| Tennessee | 1 | 0.8% |
| New Jersey | 1 | 0.8% |
| Rhode Island | 1 | 0.8% |
| Kentucky | 1 | 0.8% |
| Arizona | 1 | 0.8% |
| District of Columbia | 1 | 0.8% |
| Pennsylvania | 1 | 0.8% |
| New York | 1 | 0.8% |
| Vermont | 1 | 0.8% |
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