Glossary
Spread
the lender's markup
What the lender adds on top of prime. SBA caps it, and the cap varies by loan size.
Why it matters to you
This is the negotiable part, and most borrowers don't try. A quarter point on a $700,000 ten-year loan is real money. Knowing what other borrowers actually got is the whole reason to look at lender data before you apply.
Rule source current 7(a) maximum spreads by loan sizeChecked 2026-07-28