Is Commencement Bank a good SBA lender?

Commencement Bank has funded 56 SBA loans totaling $24.0M in volume across 1 states, with an average loan size of $428K. Whether they are the right fit depends on your deal profile, loan size, industry, geography, and borrower credit. PeerSense matches your specific deal to Commencement Bank or one of 897+ alternatives based on closing probability + pricing.

What is the average SBA loan size at Commencement Bank?

The average SBA loan size at Commencement Bank is $428K, with a range from $25K to $3.6M. This profile suggests they are best suited for borrowers seeking mid-market business acquisitions and equipment financing.

What states does Commencement Bank lend in?

Commencement Bank actively lends across 1 states. Their highest-volume state is Washington. Other top states include . Borrower geography matters: a lender's state penetration affects underwriting familiarity, valuation comps, and turnaround speed.

Does Commencement Bank fund franchise loans?

Yes, Commencement Bank has funded SBA franchise loans across multiple brands. Their highest-volume franchise concept is SUBWAY, followed by SUBWAY SANDWICH SHOP, GREAT CLIPS, Big Chicken. Lender-franchise familiarity matters: lenders that have closed multiple loans for a brand know the FDD inside-out, which speeds underwriting + reduces re-trade risk.

What industries does Commencement Bank prefer?

Commencement Bank's highest-volume SBA industry by NAICS code is Limited-Service Restaurants. Other active sectors: Personal Care Services. Borrower industry matters: matching your deal to a lender with strong recent volume in your NAICS reduces underwriting friction and improves close-rate odds.

How does PeerSense match deals to Commencement Bank?

PeerSense matches your specific SBA deal to Commencement Bank based on five factors: deal size vs lender's average + range, your industry vs lender's NAICS history, your state vs lender's geographic penetration, your franchise brand (if applicable) vs lender's brand history, and your credit + experience profile vs lender's known underwriting box. We don't sell leads, we curate fit. Lender pays referral fee at closing.

SBA LenderWashingtonMid-Market Profile

Commencement Bank

SBA lender based in Washington serving 1 states and 16 industries

Quick Answer

Is Commencement Bank the right SBA lender for your deal?

SBA loans funded

States served

Industries

$428K

Avg loan size

Commencement Bank has funded 56 SBA loans across 1 states and 16 industries. Their average loan size is $428K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. Historical volume is not a quote. PeerSense does not speak for Commencement Bank.

Geographic Reach

1states

Regional focus

Industry Coverage

16industries

Diverse lending portfolio

Average SBA Loan

$428K

Mid-Market deal focus

Geographic Footprint

Top Lending States

Washington

Tell us about your deal. Lenders underwrite. We do not.

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Underwriting Depth

Industry Focus Areas

Limited-Service Restaurants

NAICS 722

Personal Care Services

NAICS 812

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FOIA history

FOIA history for Commencement Bank

FOIA history for Commencement Bank: 56 SBA loans across 1 states, average size $428K. Highest-volume NAICS in the tape: Limited-Service Restaurants. Highest-volume state in the tape: Washington. That is history, not a buy box and not a prediction they will fund your file. Tell us about your deal.

Track Record

Recent SBA Activity at Commencement Bank

Franchise lending: Commencement Bank has funded SBA loans for multiple franchise concepts, with the highest volume in SUBWAY, SUBWAY SANDWICH SHOP, and GREAT CLIPS. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.

Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, and Personal Care Services. Borrowers in these NAICS sectors typically see better terms and faster approvals.

Geographic concentration: Top markets are Washington. Lenders typically underwrite faster in states where they already have closing comps.

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Peer Comparison

Compare Commencement Bank to Similar SBA Lenders

Other SBA lenders headquartered in Washington with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.

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5,685 loans$242K avg22 states

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2,815 loans$310K avg14 states

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Washington Trust Bank

1,528 loans$378K avg7 states

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Kitsap Bank

717 loans$233K avg2 states

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UniBank

586 loans$921K avg30 states

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Lender Reference

About Commencement Bank SBA Lending

Commencement Bank is an SBA lender headquartered in Washington. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.

Commencement Bank serves borrowers across 1 states and 16 industry sectors with a regional lending focus. To find out whether Commencement Bank is a good fit for your specific deal, reach out to PeerSense for a free lender match.

PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.

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See Related Rates by Program

PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of September 1, 2026.

Originator warehouse

$100M a month

Focus $100 million a month. Will look at $10 million a month. $10 million is not the focus.

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Invoice Factoring

0.5–3.5% / 30d

B2B invoices from $20 million a month. Advance 80 to 95 percent of face.

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CMBS Conduit

5.60–7.10%

10 year Non Recourse fixed, $10 million and up, fully assumable

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Bridge Loans

9.00–14.00%

$10 million and up. Cash in about 35 percent. Name the takeout first.

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Data Center

CRS to 89%

$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.

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Contracted revenue sale

Up to 89%

15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.

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Hotel Financing

Hotel is search only. Public floor $10 million and up. Cash in about 35 percent.

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Private Credit

7.80–18.00%

Non-bank flexibility. Public CRE floor $10 million and up.

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DSCR Investor

Search path. Public CRE floor $10 million and up.

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Indicative only, as of September 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.