Oriental Bank: SBA Lending Profile
Oriental Bank is an FDIC-insured bank, headquartered in San Juan, PR. It is active in 2 states, concentrated around PR, VI. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Oriental Bank actually approves
The median SBA approval at Oriental Bank is $112,350. The middle 80% of its loans fall between $20,000 and $400,000. The smallest funded approval in the available source window is $5,000 and the largest is $3,075,400. 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) | 148 | $112K | 7.75% | 8 years |
| 504 first mortgage (third party) | 37 | $206K | n/a | 20 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Offices of Physicians (except Mental Health Specialists) | 77 | 9.7% |
| Full-Service Restaurants | 59 | 7.4% |
| Offices of Chiropractors | 29 | 3.6% |
| Commercial and Institutional Building Construction | 27 | 3.4% |
| Supermarkets and Other Grocery (except Convenience) Stores | 22 | 2.8% |
| Offices of Physical, Occupational and Speech Therapists, and Audiologists | 21 | 2.6% |
| Offices of Dentists | 16 | 2% |
| Assisted Living Facilities for the Elderly | 16 | 2% |
| Pharmacies and Drug Retailers | 16 | 2% |
| Medical Laboratories | 15 | 1.9% |
| Limited-Service Restaurants | 14 | 1.8% |
| Beauty Salons | 13 | 1.6% |
How fast Oriental Bank actually funds
Approval is not money in the bank. Across 757 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Oriental Bank is 8 days. Half its loans fund between 2 and 23 days. That is fast. The typical SBA lender takes about 20 days, and many take far longer.
Lending momentum
Oriental Bank has held its SBA volume roughly steady from FY2023 to FY2025, a sign of a consistent, established program.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- 45.5% 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 62.2% of its recent SBA loans.
- 36.8% of its SBA lending is revolving lines of credit rather than term loans.
- 26.6% 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 Oriental Bank.