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SBA lender · 7(a) program
Quaint Oak Bank
Quaint Oak Bank has approved 198 SBA loans worth $133.1M since FY2010 - the #450 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#450
0.03% of all SBA dollars
Total approved
$133.1M
FY2010 onward
Loans
198
Median loan
$455,200
+153% vs national
Median rate
9.00%
+2.25 pts vs national
Charge-off rate
-
Cohort too small
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Quaint Oak Bank’s numbers say
Quaint Oak Bank sits in the long tail of the SBA lending field, having approved 198 loans for a gross total of $133.1M since fiscal 2010. Its median loan of $455,200 is substantially larger than the $180,000 national median, a pattern that usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 9.00%, 2.25 points above the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Roughly 49% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally - a meaningfully greater appetite for startups than the average SBA lender.
Where Quaint Oak Bank lends
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 96 | |
| New Jersey | 27 | |
| New York | 11 | |
| Virginia | 10 | |
| Texas | 9 | |
| Georgia | 6 | |
| North Carolina | 6 | |
| Florida | 5 |
Franchise brands Quaint Oak Bank financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Pure Green | 24 | $10.6M | |
| JETSET Pilates | 6 | $4.9M | |
| iSmash | 5 | $2.4M | |
| The Back Nine | 4 | $2.3M | |
| Servpro | 2 | $2.8M | |
| AAMCO Transmissions and Total Car Care | 2 | $266K | |
| Fit Body Boot Camp | 2 | $370K | |
| Steak n Shake By Biglari | 1 | $653K |
Brands with the most Quaint Oak Bank SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
Quaint Oak Bank made 44 of these loans under the SBA Express programme, median $200,000. Compare SBA Express lenders.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
A different SBA 7(a) lender
SmartBiz is a separate company from Quaint Oak Bank. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Questions about Quaint Oak Bank
- How many SBA loans has Quaint Oak Bank approved?
- Quaint Oak Bank has approved 198 SBA loans totalling $133,090,600 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #450 among all SBA lenders by dollars approved.
- What is the typical Quaint Oak Bank SBA loan size?
- The median gross approval is $455,200, with the middle 80% of loans falling between $132,000 and $1,505,000. The national median across all SBA lenders is $180,000.
- What interest rate does Quaint Oak Bank charge on SBA 7(a) loans?
- The median initial note rate on Quaint Oak Bank's 7(a) approvals is 9.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
Where to go from here
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