Evolve Bank and Trust: SBA Lending Profile
Evolve Bank and Trust is an FDIC-insured bank, headquartered in West Memphis, AR. It is active in 31 states, concentrated around CA, AZ, FL. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Evolve Bank and Trust actually approves
The median SBA approval at Evolve Bank and Trust is $709,600. The middle 80% of its loans fall between $300,000 and $2,194,300. The smallest funded approval in the available source window is $53,100 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 80 | $710K | 9% | 10 years |
| 504 first mortgage (third party) | 11 | $889K | n/a | 25 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Limited-Service Restaurants | 15 | 6.5% |
| Full-Service Restaurants | 11 | 4.8% |
| Assisted Living Facilities for the Elderly | 11 | 4.8% |
| Fitness and Recreational Sports Centers | 9 | 3.9% |
| Plumbing, Heating, and Air-Conditioning Contractors | 9 | 3.9% |
| General Automotive Repair | 7 | 3% |
| Child Day Care Services | 6 | 2.6% |
| Landscaping Services | 5 | 2.2% |
| All Other Amusement and Recreation Industries | 5 | 2.2% |
| Home Health Care Services | 4 | 1.7% |
| Car Washes | 4 | 1.7% |
| Supermarkets and Other Grocery (except Convenience) Stores | 4 | 1.7% |
How fast Evolve Bank and Trust actually funds
Approval is not money in the bank. Across 226 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Evolve Bank and Trust is 20 days. Half its loans fund between 9 and 34 days. The typical SBA lender takes about 20 days, so this is roughly in line with the market.
Lending momentum
Evolve Bank and Trust is expanding its SBA program. Approvals are up 66.7% from FY2023 to FY2025, which usually means an active appetite and a team that wants deals.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- 37.7% of its funded SBA records with known business age went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 98.7% of its recent SBA loans.
- 0.4% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Evolve Bank and Trust.