Banesco USA
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by Banesco USA
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 624410 | Child Day Care Services | 104 | $137.1M | $1.3M | 4.0% |
| 722511 | Full-Service Restaurants | 104 | $105.3M | $1.0M | 4.0% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 96 | $37.4M | $389K | 3.7% |
| 621310 | Offices of Chiropractors | 72 | $28.0M | $389K | 2.8% |
| 812199 | Other Personal Care Services | 64 | $22.0M | $344K | 2.5% |
| 238990 | All Other Specialty Trade Contractors | 56 | $35.5M | $634K | 2.2% |
| 811111 | General Automotive Repair | 48 | $27.8M | $579K | 1.9% |
| 423820 | Farm and Garden Machinery and Equipment Merchant Wholesalers | 48 | $100.0M | $2.1M | 1.9% |
| 238210 | Electrical Contractors | 40 | $14.5M | $361K | 1.6% |
| 236118 | Residential Remodelers | 40 | $11.8M | $296K | 1.6% |
Geographic Distribution
SBA lending activity for Banesco USA by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Florida (FL) | 1,304 | $1.04B | 50.8% |
| California (CA) | 200 | $191.5M | 7.8% |
| Texas (TX) | 152 | $111.5M | 5.9% |
| Washington (WA) | 64 | $57.4M | 2.5% |
| Georgia (GA) | 40 | $52.1M | 1.6% |
| South Carolina (SC) | 24 | $47.6M | 0.9% |
| New Jersey (NJ) | 72 | $41.0M | 2.8% |
| Oregon (OR) | 80 | $36.9M | 3.1% |
| North Carolina (NC) | 64 | $36.1M | 2.5% |
| Wisconsin (WI) | 40 | $32.4M | 1.6% |
| Pennsylvania (PA) | 64 | $31.0M | 2.5% |
| Idaho (ID) | 24 | $27.3M | 0.9% |
| Virginia (VA) | 40 | $25.7M | 1.6% |
| Illinois (IL) | 32 | $25.6M | 1.2% |
| Connecticut (CT) | 8 | $23.6M | 0.3% |
| Maryland (MD) | 40 | $19.7M | 1.6% |
| Michigan (MI) | 32 | $15.6M | 1.2% |
| New York (NY) | 24 | $14.5M | 0.9% |
| Alabama (AL) | 16 | $13.8M | 0.6% |
| Tennessee (TN) | 16 | $13.1M | 0.6% |
| Minnesota (MN) | 16 | $12.0M | 0.6% |
| Kentucky (KY) | 8 | $11.1M | 0.3% |
| Nevada (NV) | 16 | $9.9M | 0.6% |
| Colorado (CO) | 24 | $9.0M | 0.9% |
| Missouri (MO) | 24 | $8.7M | 0.9% |
| Arizona (AZ) | 24 | $8.7M | 0.9% |
| Ohio (OH) | 24 | $8.1M | 0.9% |
| Massachusetts (MA) | 24 | $7.7M | 0.9% |
| Indiana (IN) | 16 | $6.4M | 0.6% |
| Wyoming (WY) | 8 | $6.4M | 0.3% |
| Oklahoma (OK) | 8 | $6.1M | 0.3% |
| Montana (MT) | 8 | $4.6M | 0.3% |
| Alaska (AK) | 8 | $4.4M | 0.3% |
| Arkansas (AR) | 8 | $2.8M | 0.3% |
| Delaware (DE) | 8 | $2.4M | 0.3% |
| New Hampshire (NH) | 8 | $1.3M | 0.3% |
Why Choose Banesco USA?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,568 SBA loans approved, totaling $1.96B in financing
- ✓Industry Expertise: Specialized focus on Child Day Care Services, Full-Service Restaurants, Plumbing, Heating, and Air-Conditioning Contractors
- ✓Competitive Terms: Average interest rate of 8.76% with flexible term lengths averaging 157 months
- ✓Loan Range: Loan sizes from $30K to $5.0M, with an average of $764K
- ✓Nationwide Reach: Active lending in 36 states, with strong presence in FL, CA, TX
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Banesco USA SBA lending
What types of businesses does Banesco USA typically finance?
Banesco USA specializes in SBA 7(a) lending to specific industries including child day care services, full-service restaurants, plumbing, heating, and air-conditioning contractors, offices of chiropractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Banesco USA's typical SBA loan terms?
Banesco USA's SBA 7(a) loans typically feature an average interest rate of 8.76% and average term length of 157 months (approximately 13 years). Loan sizes range from $30K to $5.0M, with an average loan size of $764K.
Do I need a business valuation for a Banesco USA SBA loan?
Yes, Banesco USA typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Banesco USA compare to other SBA lenders?
Banesco USA has originated 2,568 SBA loans totaling $1.96B since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Banesco USA lend in?
Banesco USA provides SBA 7(a) financing with particularly strong presence in FL, CA, TX, OR, NJ. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
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