SpiritBank
SBA lender based in Oklahoma serving 4 states and 43 industries
Is SpiritBank the right SBA lender for your deal?
SpiritBank has funded 164 SBA loans across 4 states and 43 industries. Their average loan size is $506K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. PeerSense matches your deal against SpiritBank and 897+ alternatives based on closing probability + pricing.
SpiritBank is an SBA Preferred Lender (PLP), a designation the SBA grants to lenders with delegated authority to approve 7(a) loans in-house, which speeds underwriting and closing. SpiritBank has funded 164 SBA 7(a) loans across 4 states, averaging $506K per loan. PLP status means the lender does not have to send each file to the SBA for review, a material edge on turnaround for qualified borrowers.
Top Lending States
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Book a CallWhy borrowers choose SpiritBank
SpiritBank is best suited for borrowers seeking larger institutional acquisitions, CRE, and equipment-heavy deals, with an average SBA loan of $506K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is Oklahoma. With 164 SBA loans funded across 4 states, they operate as a regional specialist anchored in Oklahoma. Their portfolio default rate is 29.3% (resolved-loan basis). If your deal profile aligns with their underwriting box, this lender is worth a quote. PeerSense matches your specific deal against SpiritBank and 897+ alternatives.
Recent SBA Activity at SpiritBank
Franchise lending: SpiritBank has funded SBA loans for multiple franchise concepts, with the highest volume in Simple Simon's Pizza, Holiday Inn Express/Holiday In, and Sugar Llamas - License Agreeme. 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, Full-Service Restaurants, and Food & Beverage Stores. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are Oklahoma, Texas, Arkansas, and Missouri. Lenders typically underwrite faster in states where they already have closing comps.
Compare SpiritBank to Similar SBA Lenders
Other SBA lenders headquartered in Oklahoma with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
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About SpiritBank SBA Lending
SpiritBank is an SBA lender headquartered in Oklahoma. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
SpiritBank serves borrowers across 4 states and 43 industry sectors with a regional lending focus. To find out whether SpiritBank 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 August 1, 2026.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive. Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting
Foreign National
7.50–11.00%Non-US borrower CRE + bridge, no SSN required
Indicative only, as of August 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 does not lend and does not set pricing. What these terms mean.