Santander Bank, National Association: SBA Lending Profile
Santander Bank, National Association is an FDIC-insured bank, headquartered in Wilmington, DE. It is active in 8 states, concentrated around NJ, MA, NY. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Santander Bank, National Association actually approves
The median SBA approval at Santander Bank, National Association is $70,000. The middle 80% of its loans fall between $20,700 and $150,000. The smallest approval on record since 2020 is $10,000 and the largest is $1,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Full-Service Restaurants | 66 | 15.8% |
| Residential Remodelers | 48 | 11.5% |
| General Freight Trucking, Local | 34 | 8.1% |
| Plumbing, Heating, and Air-Conditioning Contractors | 20 | 4.8% |
| General Freight Trucking, Long-Distance, Truckload | 18 | 4.3% |
| Limited-Service Restaurants | 14 | 3.3% |
| Electrical Contractors and Other Wiring Installation Contractors | 14 | 3.3% |
| All Other Specialty Trade Contractors | 14 | 3.3% |
| New Single-Family Housing Construction (except For-Sale Builders) | 14 | 3.3% |
| Supermarkets and Other Grocery (except Convenience) Stores | 12 | 2.9% |
| Painting and Wall Covering Contractors | 12 | 2.9% |
| Finish Carpentry Contractors | 9 | 2.2% |
Borrower profile
- only 6.4% of its recent SBA loans went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 17% of its recent SBA loans.
- 84% of its SBA lending is revolving lines of credit rather than term loans.
- 15.8% 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. 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 Santander Bank, National Association.